Which of the following is true regarding employer - sponsored pension plans? A. A defined - contribution plan guarantees you a specific amount of income when you retire. B. A defined contribution pension plan is the same as an RRSP. C. You should take advantage of them because the employer must contribute at least half the funding. D. In a defined - benefit plan, the risk of a shortfall in benefit payments must be covered by the employee. Cognitive impairment risk is most likely a concern with which retirement income strategy? A. Income only strategy B. Fixed dollar strategy C. Income bucketing strategy D. Constant percent strategy