Hi everbody, been a long time reader of the forums. Had to register to reply on this topic. I to have done VERY well with my 401k and other investments, but please try not to blurr the lines between these 2 different retirement plans. A pension plan is a reward for X amount of years of faithful service, while 401k is a plan is place to help you SAVE for retirement. All of us are responsible for making sure we have enough to retire on at whatever age we feel is right. While pension is an extra benefit for years of sevice. PLEASE folks don't let the company off the hook for the years of service you have put in (or will put in). If we don't collect this as a pension, be sure we won't collect it at all. With all of the lawyers, and the SMOKE AND MIRRORS the company is able to produce, changes are NOT made for for our benefit. Remember if there is a change it is because the LAW forced it or because it will save the company money. NEVER in todays enviroment will you see a new benefit simply because the company likes you. Its all about bottom line for the stock holders.