Don't pensions require long tenure in employment and firms to not go belly up over a lifespan of 100 years?

Apple looks like a titan, but I'd still worry about tying my retirement to their long term viability.

I have a 401k, but that doesn't mean I have to manage it myself. Instead I choose mutual funds that utilize those fancy experts. And that's just because I like picking out mutual funds. I could easily get an expert to manage the whole pie.

I'd like there to be social security when I hit 65. But I am sure as hell not including it in my retirement planning.