And so if the company goes bankrupt, then there could be a disaster where the retirees get much less than expected.

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Dean Barber, president of Barber Financial Group, recommends doing this because real estate offers more security than bonds, as even if a company goes bankrupt, the company is bound to the terms of its lease.

FORBES: Intelligent Investing Panel

There's always a possibility when a company is bought or merges or goes bankrupt and someone else picks up the pieces that there will be a short-term disruption as systems are intertwined.

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