使老年生活更缺安全感

这几乎是一种错觉:养老金危机正隐约浮现于日本、欧洲、美国的地平线上。尽管有些夸大,但这个问题真实存在。目前解决这一问题的计划已在制定之中。

问题关键在于,美国总统乔治W·布什提议为本国社会保障体系建立的养老金私有化制度,究竟能否解决该问题还是反而使它雪上加霜。由于许多国家目前正考虑是否也采纳布什的该项计划,这个问题需要仔细研究。

明显,私有化本身不是解决方案。美国养老金私有化制度磕磕碰碰一路,现已背负了几千亿美元的债务,亟待政府援助。私有化允许个人设立私人储蓄账户,而社会保障制度投资低回报率的国库券。曾有一度,前者看起来优于后者。私有化的拥护者们宣称,基金投资于股票将会获得更丰厚的回报,还预测了高达9%的回报率。

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