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RRC Conference Paper: Retirement/Saving/Benefit Claiming & Solvency under Voluntary Personal Accts (PDF)
Center for Retirement Research [CRR] at Boston College 
Aug. 22, 2005
22 pages. Excerpt: [The authors] focus on three features of a system of personal accounts: whether personal accounts replace only a part of, or all traditional Social Security benefits; whether personal accounts are voluntary or mandatory; and the share of benefits that may be taken [as] a lump sum rather than as an annuity.
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