Dr. Laura Bambrick:

It is not going into a post office savings account. The idea is that one will put it in and that it will be invested, but one will have the opportunity to make a decision on whether one wants a low-, moderate- or high-risk product or a life-cycle product, which suits one better in terms of how far or near one is from retirement. If there is a concern about watching one's contributions disappear because of poor investment decisions, there will be an opportunity to take a low risk product that will be equivalent to putting it into a savings account.