Bloomberg Business - If you're in the market for a new job, take note: Not all company retirement plans are created equal. If you're not careful, you can easily go from a gig with a generous 401(k) program or a traditional pension to one with no retirement plan at all.
Fees are worth asking about, because they have a huge long-term effect on retirement planning, says Michael Finke, a professor of personal financial planning at Texas Tech University. Take the addition of 1 percent to your annual fee. If you pay 1.5 percent rather than 0.5 percent, "you're going to have to save 25 percent more for retirement to have the same amount of money after a 40 year working period," Finke says.