There is a good reason to worry about the American retirement system. It’s not a system at all, but a patchwork of programs and products.

There are some signs of relief that may set up savers for higher future returns, particularly in the bond market.

Who’s in charge? It's not employers.

Increasingly, dynamic, high-growth companies are staying private, closing off significant options for workplace retirement savers. But putting a traditional PE fund inside a 401(k) plan would bring more problems than it solves.

A new Morningstar report finds the outlook for stock and bond returns is improving.

Where is the demand and is the time now?