In the last 10 years many employers have shifted from

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In the last 10 years, many employers have shifted from offering defined-benefit pension plans to offering defined-contribution pension plans. This shift has been driven by a desire for cost certainty, as defined-contribution plans are typically less expensive for employers to administer and maintain. Additionally, defined-contribution plans place more responsibility on employees to manage their own retirement savings, which can be seen as a benefit to both employers and employees.

In the Last 10 Years Many Employers Have Shifted from