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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.

Sticking with the present plan is not an option. Current recipients are doing quite well from this Ponzi scheme, but those under 30 today will actually get a negative return on their investment (sic).

Congress can change the benefits at any time under SS. They did so in 1983 when the raised the retirement age to 67, increased the FICA tax, and indexed the cap. Under SS, a person can contribute for almost 50 years and die without receiving any benefits or have any tangible assets. SS is the risky scheme. At least you own the private accounts. 6% return shoud not be hard to meet given historical rates of returns from eqities.