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3. Nobody called in question assumptions.

Law assumptions are based... On assumptions, instead of on the facts. What happens, if the pensioner at 65-year-old age learns about an inaccuracy of assumptions by which it was guided 40 years? Whether the pensioner will find any help? Advisers simply give out financial councils, and people put up money, without setting many questions? Until then while scandal with itEnronit will not induce them it to do.

4. There are too many companies which are engaged in mutual funds. For today of the companies which are engaged in mutual funds, more than registered at a stock exchange that complicates possibility to find out what of funds good and what it bad. It also means that the average investor risks to choose bad funds or group of funds which does not provide the profitableness necessary for financial safety of your life on pension.

5. Pension cost continues to grow. Presence of the increasing quantity of the mutual funds chasing very small quantity of real actions of the real companies, leads to excessive rise in prices for these actions that in turn means growth of cost of pension.

6. The plan of category DC will not protect you after leaving on pension. After the person will retire, the share market can fail, having destroyed the money provided by it against a rainy day and having deprived of its financial safety. Without having job and time, will return this money after bankruptcy of fund difficult. It happens with workers itEnronit, combined all eggs in one basket. The given fact once again proves that a diversification it a risky and bad choice; the best strategy it is only for those who has insufficient financial education.

7. Many workers do not put up money in the pension plans. Under the different data, the number bebi-bumerov, the money which has postponed enough for pension, fluctuates from 50 to 10 and less percent. It means superfluous financial burden for generation which will follow for bebi-bumerami... And especially for you, children.

On May, 5th, 2002 itWashington Postit has published article, under the name itFor many the plan 401 (it will appear hard gameit where it is told:

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Standard Hotel Icons Developing software for hotel industry can be quite a challenge, and rarely there is time to think about GUI for your product. With Standard Hotel Icons you will instantly get all the graphics you need at an affordable price.

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