Originally Posted by faithful_servant

Even the lowest risk/return investments return better than the lousy ~2% that SS returns. I can put my money into a passbook savings account @3.25% today and do better than that. And that's federally insured money. Ultra-low risk investments run between 3-4% and that's substantially better than what SS is returning right now. Limit where people can invest the money to ultra-low risk stocks and you'd be outperforming SS, giving people a MORE secure retirement, you'd be taking the money out of the control of the Feds. and taking away a way for them to spend money they don't really have, and you'd be putting money into the private sector where it can grow the economy, instead of the Fed. debt.