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CRS Report: Social Security Reform-- President Bush's Individual Account Proposal (PDF)
Congressional Research Service [CRS] 
Apr. 27, 2005
33 pages. "Analyzing the President's [Individual Account] proposal using assumptions on investment returns and administrative costs provided by the Social Security Administration, we find that the total of the reduced Social Security benefit plus the annuity that would be available using the actual [Individual Account] balance would exceed Social Security current-law promised benefits if the account earns the 4.6% annual real rate of return projected by the Social Security actuaries." [Report RL32879, Apr. 25, 2005]
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