Defined contribution retirement plans have morphed over the last few years from what was intended as a supplemental savings to an employer-provided pension.

Now, outside of Social Security, DC plans are the sole source of income for workers in retirement—a drastic change for millions, and not one that rests easy on their shoulders.

Not only do DC plans bring new risks to would-be retirees—and to plan sponsors as well—the old risks haven't gone away, but have actually grown.

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