<prompt> Human: Well, as the title says, my employer recently stopped matching the 3 contributions to my Roth 401K. They have just begun a roll-out of a defined benefits package, which they essentially called a pension plan. This plan has a vesting period of 5 years which starts this year, so everyone starts off with no vesting rewards, 1 year 20, 2 years 40 and so on. A few of my co workers and I are questioning this decision made by corporate. It looks good on paper, as it seems they will be contributing more to this pension fund than what the sum of our 401K contributions were. I have a few questions. First, why would they do this? They claim that not enough people were taking advantage of the 401K matching and that they want to help us be responsible for our retirement.Second, should I continue to contribute to my Roth on top of this pension plan? Thanks  <response>: Definitely contribute to your IRA--afterall, you arent vested yet!But besides, you could have a very very comfortable retirement with your IRA and pension. 