“One of the biggest problems is accounts that are tied to employers,” Gaurav Sharma, co-founder and CEO of Capitalize, told Crunchbase News. “They may offer a 401(k), but when you change jobs, you have to figure out what to do with the money, and many people tend to make bad decisions.”

https://news.crunchbase.com/news/retirable-capitalize-raise-seed-funds-to-help-people-save-for-retirement/