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<p>[QUOTE=&quot;Juan Blanco, post: 1572633, member: 41665&quot;]Not to quibble, but as someone working in the biz decades, I&#039;ll dispute this. The primary advantage of 401k retirement account is DISCIPLINED SAVINGS. </p><p>You coin people are likely the EXCEPTION, but most workers aren&#039;t &quot;saving&quot; anything. Even the vast majority of workers who participate a 401k generally are setting aside too little, so I wonder even &#039;if it matters.&#039; But I&#039;m also unsure what &#039;tax savings&#039; will have accrued when cash-outs eventually occur. </p><p><br /></p><p>The 401k scheme has a been a boondoggle, a failure in so many ways.</p><p><br /></p><p>For this, I suppose it&#039;s NOT A BAD THING to (also) encourage bullion hording - as a way to &#039;get it&#039; somehow. Realistically. There will be times for stocks &amp; bonds, bullion and even other commodities (via ETFs) but it&#039;s not getting easier and the Wall St myth that &#039;stocks return 6-8%&#039; has been debunked now anyway.&nbsp; Not after taxes and factoring survivorship bias, they dont![/QUOTE]</p><p><br /></p>

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