What Your Clients Need to Know: The MYRA Savings Plan

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  1. Detractors

  2. Uncertainty

  3. "My cautiousness comes from concern about two things — the emphasis on low contributions and low returns."
  4. "'The account balance would never go down.' But that's true for any saver who invests retirement savings into U.S. Treasurys."
  5. "The myRA will actually have the working poor financing the government's deficit spending."
  6. "Offering low-income households a place to save doesn’t really fix the big problem: they still must have the money and the discipline to take advantage."
  7. "The problem isn’t that Americans don’t have enough ways to save for retirement — they have too many."
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