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Second-order effects of expanding access and participation in public retirement savings plans

Thomas Hawkins writing for 401K Specialist, explores the unintended effects of retirement savings public policies. What does he mean? “Some retirement savings public policies can seem like a sure thing; however, these “first-order” effects are inevitably followed by “second-order” effects, which can sometimes be antithetical to the policy’s original intent.” Mr. Hawkins outlines some of the undesirable effects and how they might be resolved. Read Mr. Hawkins’ article here…

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