Employees have no control over the assets in their Defined Benefit plan.
The short and simple answer is: No.
The payments you will receive in retirement are calculated according to a pre-determined formula. Your employer is responsible for managing the investments, while you simply receive the agreed-upon payments when they are due to you - assuming all goes as planned.
Most pension funds, as they are sometimes called, are invested in very conservative instruments such as long term government bonds and fixed accounts offered by some insurance companies and banking institutions.
Many forms of institutional investments may be available to an employer or the financial institution which serves as custodian of the funds. The employer and the custodians have a fiduciary responsibility to serve the best-interests of the employees.
If your portfolio isn’t growing enough for your liking, you might need to take on more risk or change your management co.
Traditional IRAs, as well as SEPs, SIMPLEs, and 401(k)s are all taxed as income in retirement. Roth IRAs are not taxed
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