Weller Christian E
Center for American Progress, 1333 H St NW, 10th Floor, Washington, DC 20005, USA.
J Aging Soc Policy. 2007;19(1):21-38. doi: 10.1300/J031v19n01_02.
Despite large public policy efforts over the past 30 years, a large minority of households remains consistently inadequately prepared for retirement. If policymakers want to address this shortcoming, public policy has to change from its current path. This paper suggests a system of mandatory private pensions funded by a minimum mandatory contribution of 3% of payroll. In addition, a number of institutional changes are suggested to reduce the costs and risks of individual accounts.
尽管在过去30年里政府付出了巨大的政策努力，但仍有很大一部分家庭始终没有为退休做好充分准备。如果政策制定者想要解决这一缺陷，公共政策就必须改变当前的路径。本文建议建立一个强制性私人养老金体系，由占工资总额3%的最低强制性缴款提供资金。此外，还建议进行一些制度变革，以降低个人账户的成本和风险。
