On Tue, 08 Mar 2005 21:06:20 GMT, "Jim," wrote:



He recorded all the payroll taxes he paid into the system (including the
matching amount from his employer), tracked down the return the Social
Security Trust Fund earned for each of the 45 years, and then compared
the result with what he would have gotten had he been able to invest the
same amount of payroll tax money over the same period in the Dow Jones
Industrial Average (including dividends).

Which explains why one should never put all their investment eggs in one basket.
Even the Thrift Savings Plan allows diversification.

We can all find examples which would give a return less than the social security
return.


John H

"All decisions are the result of binary thinking."