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Forum » What is better pension or 401k?
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Thread: What is better pension or 401k?

post 10000021779 01-23-2026, 01:54 PM
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What is better pension or 401k?

Say they both pay 12% but the pension has no cost of living adjustment so won’t adjust for the rapid hyperinflation also the pension takes like 10 years to be vested and get anything and it’s a job i very well may not be doing that much longer. But the pension pays you till you’re dead.
post 10000021781 01-23-2026, 01:56 PM
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You a just answered your own question dumbo
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post 10000021782 01-23-2026, 01:57 PM
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both are ideal

but i'd take a pension over a 401k since 401ks are directly tied to the stock market and can be volatile

your pension is a guarantee until the day you die
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post 10000021786 01-23-2026, 02:01 PM
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What is this,a.choice at the same job ?

You dont get both ?

If youre not staying to get vested ,its obvious
post 10000021788 01-23-2026, 02:03 PM
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Originally Posted By DrugsToGetBig⏩
both are ideal

but i'd take a pension over a 401k since 401ks are directly tied to the stock market and can be volatile

your pension is a guarantee until the day you die
Doesn't the company you work for out in the money for the pension rather than you having to put in your own money for 401k.
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post 10000021794 01-23-2026, 02:08 PM
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Originally Posted By DrugsToGetBig⏩
both are ideal

but i'd take a pension over a 401k since 401ks are directly tied to the stock market and can be volatile

your pension is a guarantee until the day you die
Yeah I agree it’s just kinda a gamble if I end up doing this job that long cuz if I pick pension then don’t stay that long I don’t get anything and the 401k starts immidiately and o get to keep my match if I quit
post 10000021795 01-23-2026, 02:09 PM
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Originally Posted By taskmob⏩
Doesn't the company you work for out in the money for the pension rather than you having to put in your own money for 401k.
The contribution is the same for both I put in 3% and they put in 12%
post 10000021796 01-23-2026, 02:13 PM
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Pensions are managed by some fukkin retards. I'd rather manage my money myself.
See SuperHercules' sig
post 10000021798 01-23-2026, 02:15 PM
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Pension is much much better. Risk requires compensation is how textbook finance works.

I don't know how much US government bonds are paying but let's say they pay 3% and let's say the stock market pays 8%. Textbook finance considers US government bonds risk free when doing calculations. That 5% difference is the compensation for the risk.

Pensions are also considered risk free so if they're both 12%, the pension is 100% the way to go if you can stay the 10 years.
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post 10000021838 01-23-2026, 02:45 PM
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Why can’t we have both?
post 10000021879 01-23-2026, 03:17 PM
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Originally Posted By DrugsToGetBig⏩
both are ideal

but i'd take a pension over a 401k since 401ks are directly tied to the stock market and can be volatile

your pension is a guarantee until the day you die
This.

Jfl if you don’t have multiple pensions and a 401k
post 10000021887 01-23-2026, 03:24 PM
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Originally Posted By headturner1⏩
This.

Jfl if you don’t have multiple pensions and a 401k
See ShakeBrah's signature
post 10000021894 01-23-2026, 03:27 PM
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Pension can be drastically cut/taken away if a company goes under. I know people personally who lost their entire pension when a billion+ dollar company they worked for filed chapter 11. They also lost their retirement in the company's stock options. Would rather be vested in a 401k than reliant on a company.
post 10000021930 01-23-2026, 03:53 PM
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Originally Posted By SaltyDog920⏩
Pension can be drastically cut/taken away if a company goes under. I know people personally who lost their entire pension when a billion+ dollar company they worked for filed chapter 11. They also lost their retirement in the company's stock options. Would rather be vested in a 401k than reliant on a company.
OP works for the government. Then again, idk how government pensions work and if it's federal or state/local.
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post 10000021944 01-23-2026, 04:05 PM
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I wouldnt trust pension unless it's government which are pretty much the only pensions left

Then if they mismanage the pension investment fund the tax payers will just bail it out. Cucked
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post 10000023003 01-24-2026, 02:42 PM
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Originally Posted By SaltyDog920⏩
Pension can be drastically cut/taken away if a company goes under. I know people personally who lost their entire pension when a billion+ dollar company they worked for filed chapter 11. They also lost their retirement in the company's stock options. Would rather be vested in a 401k than reliant on a company.
It would be a state pension
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