St. Louis Fed(@stlouisfed):Employees with 401(k)s want to maximize their retirement income, so they often invest in higher risk/higher return assets such as stocks. Employers who manage traditional defined benefit pensions want to ensure they can fulfill their obligations to former employees, so they tend to invest in lower risk/lower return assets such as bonds. To see which strategy has performed better, check the FRED Blog

St. Louis Fed

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Official Federal Reserve Bank of St. Louis account. We share economic data and insights. Home to FRED®.

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St. Louis Fed@stlouisfed

2026.10.10 14:04

Employees with 401(k)s want to maximize their retirement income, so they often invest in higher risk/higher return assets such as stocks. Employers who manage traditional defined benefit pensions want to ensure they can fulfill their obligations to former employees, so they tend to invest in lower risk/lower return assets such as bonds. To see which strategy has performed better, check the FRED Blog