It’s not enough to put in automatic features in retirement plans if those features don’t push people into saving at a high enough rate, or to take an active role in choosing investments for their account.

That’s according to a report in Psychology Today, which says that in fact automatic features may be deceiving participants into thinking that their retirement is taken care of, in the way a defined benefit pension once took care of the monthly income needs of retirees.

However, the opposite is true—and in fact people often completely lose sight of the fact that they are fully responsible for the outcome of their retirement savings, while that was not the case for pension plans.