I've been hearing all the gloom and doom about Autos and Banks but what about Retirement Accounts? If you think about it, the public has been encouraged to invest in 401Ks, IRAs, and others since sometime in 1987 I believe. All the while employers have been reducing or eliminating their contributions. Employer contributions aside, What are these accounts vested in? The research I've been able to come up with says that the vast majority of these funds are 68% Mutual Funds and 14% "Other Equities". I've been paying into my Union Carpenters Pension Fund for 12 years now. I called them up last week and asked how I could get a look at what "WE were invested in". I was politely told that it was none of my business. Considering the current value of Mutual Funds and the huge number of Baby-Boomers ready to collect, What's next? I'm I the only one thinking this way?