All depends on the company. My uncle worked for a factory that does stuff for ford and some other companies and got only stock as his retirement plan. I thought that sounded fucked but he was willing to wait out on selling it a year or so and hit a good day.
Company he worked for his up and down too. I think that's most factory centered places though. Lay offs and shit.
I've only dealt with like actual retirement funds though, to avoid taxes and fees I rolled it into my sons 529 when I left there.
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