In general terms,which one of the following plan types is the riskiest for an employee on a year-to-year basis?

Question

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A defined contribution plan invested in equities is riskier for an employee on a year-to-year basis because the value of the contributions depends on the performance of the stock market, which can fluctuate greatly. Fixed-income securities are considered less risky but also offer lower potential returns. Defined benefit plans guarantee a certain payout but can have funding issues, and overfunded plans may face tax implications. Career average plans offer a more stable payout based on an average of yearly earnings.

In General Terms,which One of the Following Plan Types Is