ニューヨーク・タイムズのインスタグラム(nytimes) - 10月23日 06時04分

Valarie Williams held hands with her 25-year-old daughter, Jovanda Pope. Jovanda is blind and severely disabled. Valerie's 27-year-old son, Antoine, has Down syndrome. She is taking care of not one, but 2 disabled children on her salary as a high school speech pathologist. In the spring of 2014, Valerie transferred about $170,000 in retirement savings to the Legend Group, a firm that manages teachers' retirement portfolios. Within months, she felt like something wasn’t right. She was still making contributions, but her balance was always less than her original investment. Most Americans who save for retirement at work have 401(k) plans. But public school teachers, clergy members, employees of religious institutions or nonprofits, and some charities typically must rely on 403(b) plans, many of which are more lightly regulated. As a result, the people who do the most good in the world often get the worst retirement plans. 2 years after Valerie transferred her money, she’s working with some current and former colleagues and a lawyer to explore their options on how to resolve their situation. The photographer @saranaomiphoto took this photo while on #nytassignment.

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