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Are you willing to take the risk of having all your nest eggs in a typical 401k? You might end up like the millions of elderly seniors who now cannot afford to retire and who have no more time to save. Riskless investments such as CDs, rewards checking, money market accounts and savings accounts will help you sleep better at night and guarantee you will have some retirement money unless the U.S. Government goes belly up in which case everyone will be in trouble.