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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: TimF who wrote (105596)	3/6/2009 8:01:37 PM
From: Sam	Read Replies (1) \| Respond to of 541933

He says "85% stocks" but doesn't say what he means by "stocks." the Dow? S&P? What happens if everyone invests in the same index? Does he really think that everyone will keep adding the same amount every year, month, week, whatever, without varying the amount, without withdrawing anything in scary times, without being tempted by highfliers? Personally, I find these exercises a little silly, although I know economists love them. They act as though human beings are computers.

To: TimF who wrote (105596)	3/6/2009 9:26:12 PM
From: Mary Cluney	Read Replies (1) \| Respond to of 541933

<<<Total benefit gains decline through participation beginning at age 47, at which point the account holder would receive almost exactly the same benefit as someone who didn't choose a personal account.>>> I am no expert when it comes to these mathematic modeling stuff but this sounds to me like for anyone that started a personal retirement account within the last 20 years would now be under water. Also, his model was based on the stock market as of November 2008. The market has gone down considerably since then.