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What If the Baby Boomers Had Personal Retirement Accounts? AnAnalysis of Retirement Security for Americans Age 40-58

If Social Security personal retirement accounts had been availableto baby boomers, they would have substantially increased the babyboomers' net worth, especially among low-wealth families.Additionally, the gain in retirement security would be between$41,000 and $214,000 at age 65, in inflation-adjusted 2001 dollars. ....

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Using Social Security Personal Retirement Accounts to Create FamilyNest Eggs

A reformed Social Security with personal retirement accounts can domuch more than reducing the program's coming fiscal problems. Itwould also allow workers to build family nest eggs; give workersgreater asset control; strengthen communities' economic base; yielda higher rate of return; and allow workers benefit ownership. ....

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