Moving from defined benefit pension plans to defined contribution plans has not done the average U.S. worker any favors.

In fact, it's made retirement more of a gamble—will there be enough money, or for that matter, any money, available when the time comes to leave the job behind?

A new study from the Center for Retirement Research at Boston College takes a look at how 401(k)s and the IRAs that mostly serve as rollover homes for 401(k) funds affect workers' retirement health.

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