Related Guide: For details on Keogh plans and other retirement plans benefiting self-employed owners, see the Financial Guide: EMPLOYEE BENEFITS: How To Handle Them.

相关的指南：基奥计划（指自由职业者为退休而存款）和其它退休计划收益的自雇佣所有者的细节，参看财务指南：雇员好处：怎么处理它们。

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Offered within 401 (k) s and other defined-contribution retirement plans, these products aim to shield investors from market downdrafts and deliver modest returns.

这些产品包括在401 (k)计划和其他固定缴款退休计划中，意在帮助投资者防范市场下滑，提供较小规模的回报。

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Yet there are other ways to create "default savings", such as companies offering automatic deductions to retirement plans.

然而还有其它方式产生“默认存款”，如公司提供的养老金自动扣缴方案。

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The strategy works well inside 401(k)s and other retirement plans because of dollar cost averaging (DCA).

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After all, most parents have the majority of their net worth tied up in their homes and their 401k or other retirement plans.

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Also, avoiding distributions from tax generating accounts, such as other retirement plans, is another way to maximize your net after tax social security income.

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