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The worker could still come out ahead under these terms. If the account were to earn an average 4.9 percent a year after inflation, minus 0.3 percent in fees - the figure often cited by White House officials based on estimates by the Social Security actuaries of the expected returns of a mixed portfolio of stocks and bonds - the worker's piggy bank would grow to more than $188,000 in today's dollars if he invested the maximum allowed, according to calculations by Dean Baker of the Center for Economic and Policy Research.
That's an enormous amount of money, when multiplied by 200 million people, and I'd be willing to wager that it WILL go up...
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