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A concise, readable, knowledgeable overview of the workings of individual account programs in a wide range of countries. The author expertly examines these plans' risks, concluding that plans "carved out" of existing social security systems are generally less desirable than those which "add on" to existing plans--because they shift too much risk to individuals, do not seem to boost savings rates, and are plagued by numerous easy-to-overlook problems....
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