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hello my name is derek afasi todays topic were going to were going to be discussing why do companies get rid of of pension plans the number one thing is basically risk you have to understand why why a company would get away from a pension plan you have to understand what is a pension plan now back before 1974 the implementation of retirement plans this is what everybody was offered they understood that when you were working you would take a percentage of your salary the company or business entity whatever it was would take a percentage of your salary and they were invested into a vehicle on the back end this was invested through the company and they would have certain advisors to make sure that that they were in the risk adverse uh whatever vehicles uh whatever basically allocations that they felt was right to sustain when people were getting ready for retirement so if you have more people that are younger that are investing into these pension plans when the older people start to re