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Personal Retirement Accounts and Saving
RAND via Social Science Research Network 
Sept. 8, 2008
Excerpt: Many countries are including personal retirement accounts (PRAs) as part of their social security systems. PRA systems boost private savings at the macro level by converting a government financial liability into private wealth. At the micro level, however, crowing-out effects on household savings could be offsetting some of this increase in private savings and may lead to inadequate preparedness for retirement.
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