Thrift Savings Plan

Ahead of AARP's planned "secret" salon on the future of Social Security, we offer two retirement experts' dramatically different proposals for solving the crisis. Chuck Saletta's view: You can't fix the program with tweaks and small changes.

Everyone's predicting the worst for Social Security. But should the chance of cuts in a quarter-century really have us in a panic today? Retirement expert Dan Caplinger explains why there's really no need for major changes.

The Labor Department's new regulations don't address the core problems of this broken system. Disclosing revenue-sharing payments for retirement-plan mutual funds isn't nearly enough. Those fees are laden with conflicts of interest, and should be prohibited altogether.

My comment on CNBC that it should give investors more "in Bogle we trust" and less "in Cramer we trust" precipitated a Cramer tirade. It made great TV, but prevented a rational discussion of important issues. Here are some questions and answers intended to reduce the heat and shed some light on...