Helps you understand your employer's retirement savings plan, know what information you should review periodically and where to go for help with questions. Explains when and how you can receive retirement benefits, the responsibilities of those who manage
The Social Security program faces a financing challenge primarily due to the aging of the U.S. population. Proposals have been advanced by various groups calling for individual accounts as a component of Social Security reform. To better understand the potential implications of individual accounts, this report provides information on how such accounts could affect private capital & annuities markets as well as national savings, & determines the potential risk & returns to individuals under such a program. It also determines the disclosure & educational efforts needed to inform the public about individual accounts. Charts & tables.