Years ago, a worker could land a job and stay on until it was time to collect a gold watch and a pension. These days, it's up to workers to fund their own retirements, and 78 percent of them know this. The number is even higher, 84 percent, among those who participate in defined contribution plans. 

So says a new survey from LIMRA Secure Retirement Institute Research, which also found that 77 percent of workers believe that everyone should have access to a retirement savings plan at work, and that retirement savings plans do work to help Americans prepare for the day when they'll leave the job behind. 

For DC plan participants, the confidence factor in those plans is even higher, with 85 percent saying that they're an effective method of preparation for those long-awaited golden days. 

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