Originally Posted by notEnuf

Are you saying you have a low/no risk method to make 20%? Snake oil must be in high demand. If we are trying to replicate something like a pension with relatively low risk and a guarantee of future income, then diversification and tapering over time is the only way to do it in a employee 401k. All this outside speculative investing is not part of the PWA retirement argument. Why are we not ok with adding a vehicle and sheltering more money? You know why there are lifecycle funds right? Bonds don't have to be a part of your portfolio but some income generating investments and tapering to more as you age is what a retirement account and employer funding is about. Not your roulette wheel du jour. Is your DPSP cash above $330K in earnings really going to retirement or even exist after using a roth rollover? I hope your scratch offs pay you well but I'd rather let my nest egg grow unencumbered and decide my income upon withdrawal. You talk a good game but there's no way you are getting 20% without significant risk.