The survey revealed that couples who maintain individual accounts
do so for a variety of reasons, ranging from independence (30%) to emergencies (21%), and use a wide range of account types (18%) such as savings, business and more.
an individual account
pension equivalent to 1/120 of total accumulations on individual accounts
to be drawn as a lump sum or annuities.
Social Security program, as put on the table by the SSAC: investing a portion of trust fund assets in equities, adopting "add-on" individual accounts
invested in equities, and using "carve-out" individual accounts
invested in equities, redirecting a significant portion of current payroll taxes while sharply reducing the guaranteed social insurance benefit (cf.
Under current law, benefits are a direct function of average earnings; under a plan with an individual account
and benefit offset, benefits are partially a function of average earnings and partially a function of the investment returns received on the individual account
And if supporters of individual accounts
win control of the Senate while maintaining control of the House, they might well try to enact a Social Security plan resembling a commission proposal.
Similarly, workers with longer life expectancies, especially women, will have to save disproportionately more since their individual account
savings will have to last longer than those of men.
There is no charge to open an individual account
Under an individual account
system, mobile workers might not merge accounts when they change jobs.
Yet another option would be to have partial privatization, with some investment in individual account
options and the rest left in a base safety net system.
The archives of the Philadelphia Saving Fund Society, which came to the Hagley Museum and Library in March of 1993 after the Federal Deposit Insurance Corporation liquidated the bank's assets, contain two types of records with information on PSFS individual account
The value of the bond is added to each person's individual account
The five systems that will be discussed are as follows: sales routing, individual account
sales plans, sales supervisor "workwith" programs, compensation systems and quotas.