A premium subscription is required to access this article. Article Date: 05/18/2016 The Preferred Savings Vehicles For the past 40 years, most Americans have had the opportunity to place a portion of their paycheck into a defined contribution account or Individual Retirement Account with an eye toward having funds available for the day when they are no longer working.DC plans and IRAs have gone through numerous adjustments, ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo.