John Hotz Quotations

Obviously, diversification is key, particularly when it's your only source of retirement income.

This spells doom for the retirement security of, particularly, older employees.

The whole idea with employer equity in these plans is when times are good, everybody loves it, but when times are bad, they hate it.

American business is turning its back on the defined benefit pension system. They're basically leaving the employees who built these companies in the dust.

This is where the hot litigation is in the 401(k) world. It shows the weakness in the 401(k) structure for sure.

It's important to understand the formula under which your benefits would be calculated.