Felicity has been working as an electrical engineer for a private company for $20$ years. She's growing her retirement savings through a defined contribution plan because her company does not offer a pension plan.

Is Felicity's decision productive?$$Why or why not?

A$.)$

It is not productive because Felicity's employer will need to make payments into her contribution plan.

B$.)$

It is productive because defined contribution plans are quickly replacing pension plans as the primary way to save for retirement.

C$.)$

It is productive because secondary options, like individual retirement accounts $($IRA$),$ are no longer available.

D$.)$

It is not productive because Felicity will have to contribute a portion of her own earnings into the plan.