When Romney privatizes Social Security, do you think we will be able to trade in the market as we please or?

[The Solution]

I hope we get 3 options, and soon.

All 3 options still have mandatory Employee and Employer Contributions of 6.2%, with the option of Either or Both Contributing MORE Tax Free as is the Current Policy for 401(k)'s. And the Same AGE Restrictions on Receiving Benefits.

Option 1) Keep in the current system, give the Government your hard earned cash, collect a 1% growth rates, retire on a paltry sum that has a 100% Estate Tax with the remainder going back to the Trust if you die before you use it, and discriminates against Gay and Unmarried Citizens.

Option 2) Direct Deposit your Contribution into US Treasury Bond, earning Nearly 3 TIMES More over the same period of time, with the same contribution as the Current System, AND it is in your Name and you can LEAVE the Remainder of YOUR Retirement Savings to WHOMEVER you chose. (Cost to Government ZERO DOLLARS)

Option 3) Contribute to a Standard Mutual Fund type account, and Earn 6 Times MORE over your Working life than the Current System, with the SAME Benefits as Option 2.

And before you Naysayers Pipe in about "Market Collapse...duhhuhhhhh...." This Last Recession, we saw a LOSS of about 28% of our Net Worth....

If you Contribute $800,000 on OPTION 1, you Receive $1.2 Million by age 90.....LOSS during the Recession = ZERO......Leaves $1.2 Million to Retire on.

If you Contribute $800,000 on OPTION 3, you Recieve $6.2 Million by age 90....28% Loss during the Recession = $1.7 Million.....Leaving $4.5 Million to Retire on.

You do the Math, well never mind, I forget Math and Numbers interfere with Emotion and Feeling.

Well, anyway, I'll take OPTION 3 ANY DAY.....any Intelligent Person would.