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CBO Analysis of H.R. 3304, Growing Real Ownership for Workers Act of 2005 (PDF)
U.S. Congressional Budget Office [CBO]Link to more items from this source
Sept. 14, 2005
65 pages. Excerpt: The legislation would have three main effects: It would create individual accounts (called GROW accounts) and reduce traditional Social Security benefits for account holders; the net impact on total retirement benefits would depend on whether an account earned more or less than the Treasury rate of return. H.R. 3304 also would defer the exhaustion of the Social Security trust funds, permitting some cohorts to receive greater benefits and raising federal outlays[.]

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