According to Jim Leech, who will soon retire as head of the Ontario Teachers' Plan, more than 60% of employed Canadians do not have a workplace pension but, if you are among the 40% who do, your plan could be underfunded by market upheavals. Your boss may have to make 'nips and tucks' to the pension you thought was guaranteed. Security may seem to be attainable in the good times but we know that never lasts and when the slump comes, anything is up for slashing or even wiping out. John Ayers.
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