Which of the Following Is a Concern Created by Shifting

question 15

Multiple Choice

Which of the following is a concern created by shifting the risk of poor investment decisions from the employer to the employee?

• A) How can employees weather big downswings in the market, especially when a downsizing occurs near the age of retirement?
• B) What will many employees who were eligible for 401(k)s and chose not to participate do when they discover that they have too little money when they retire?
• C) What about the many employees who may not have the financial knowledge needed to invest wisely?
• D) How will society treat future retirees who do not have the money they need during retirement?
• E) all of the above are concerns

---

Definitions:

Scapegoating

refers to the practice of unfairly blaming an individual or group for problems or failures, often to deflect attention from the real causes.

Groupthink

A psychological phenomenon that occurs within a group of people, in which the desire for harmony or conformity results in an irrational or dysfunctional decision-making outcome.

Deindividuation

A psychological state characterized by reduced self-awareness and decreased personal responsibility in group settings, which can lead to uninhibited and sometimes antisocial behavior.

Dispositional Attribution

The tendency to explain someone's behavior based on internal factors, such as personality traits, rather than external circumstances.