<prompt> Human: I sometimes get into some hypothetical conversations. Some of the trends of late has been discussing the failure of social security and how theorist predict that since 401k are government sponsored accounts, theyll be likely targets for funding a future retirement program.1does this have credence?2what would be safer? IRAs, mutual finds, ETFs, etc?Thanks in advance for discussion.  <response>: 401ks are not government sponsored. You contribute pre tax dollars and sometimes employers will match up to a certain percentage. 401ks will not be confiscated by the government... 