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Retirement programs private and public are being hustled to achieve better results, both for bottom lines and for retirees.

The most recent attempt is Obama’s new plan to trim the deficit, which takes aim at the federal retirement system. Over the next 10 years, the president wants to  salvage $21 billion by having the employee contribution increase by 1.2 percent (0.4 percent a year over three years beginning in 2013). On top of that, he’s proposing to eliminate the FERS Annuity Supplement for new employees.

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