Where I work the organization matches up to 4% for retirement accounts (403b) and puts an additional 2% of your pay each year into a pension. If you work here

Where I work the organization matches up to 4% for retirement accounts (403b) and puts an additional 2% of your pay each year into a pension. If you work here for 3 or more years you get the pension when retiring. Things could still happen, but if I was within a few years of retirement I would have taken most of it out of stocks.