“产权社会”的神话

“不,”前福克斯新闻记者托尼·斯诺说,他刚刚被任命为乔治·W·布什一位最亲密的助手,他的新闻秘书。近期有人向他问及其退休储蓄时他如是说。“事实上,我甚至过于愚笨,没能参加401(K)。所以,根本没有福克斯退休金。我所拥有的惟一的媒体退休金是通过美国电视广播艺人联盟(AFTRA)获得的。”

401(K)是具有大量税收优惠的账户,据此,员工可存款以备退休之用。通常,员工—包括福克斯新闻台—缴纳401(K)规定的金额,因而建立401(K)账户是极为诱人的库存融资,是真正不必花脑筋的事情。然而托尼·斯诺没有建立该账户。只有他被迫加入的工会,即美国电视广播艺人联盟,一直在处理他的退休资产的任何正式储蓄和指定用途事宜。

我认为,斯诺的案例提出了极为重要的教训,不仅对于美国而言。就布什当局对国内政策的一贯理念来说, “产权社会”这一思想或信念就是,中介机构,无论是政府、工会还是各公司福利部门,应逐渐放弃提供社会保险的业务。相反,个人应该依靠其自身的资产为其提供退休或严重疾病时的财务保障。产权社会拥护者主张,要奖励人们去计划其未来,并且他们会这么做。

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