[smokeman]

You may not, but many of us would. That's why it's called voluntary private accounts. If I can get a 4-5% rate of return over a 1.2% rate of return, I think the decision is obvious. As far as risk goes, I'll take my chances. It's my monet, therefore it should be my decision. Plain and simple.

[Torie]

You need to get a return of more than 3% over inflation to come out ahead vis a vis sticking with the present plan, since what you draw out into private accounts offsets what you get from standard SS. If inflation is 3%, that means a 6% return annualized, with a rather rapid accretion and erosion above and below that number.