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10/16/2000: How Would Financial Risk Affect Retirement Income Under Individual Accounts? (PDF) (Center for Retirement Research at Boston College)
Excerpt: Proponents [of personal retirement accounts] claim that private plans offer better returns than traditional Social Security. To achieve higher returns, however, contributors are exposed to extra risks associated with financial market fluctuations. This issue in brief offers evidence on the extent of these risks by considering the hypothetical pensions U.S. workers would have obtained during the past century if they had accumulated retirement savings in individual accounts.
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