l*********1
发帖数: 2971 | 1 交给快破产的Social Security Bureau保管。别以为国家是hello kitty，没钱有的是
办法整出钱来。现在危机又来了，这办法可行。
Democrats in the U.S. House have been conducting hearings on proposals
to confiscate workers’ personal retirement accounts — including 401(k)s
and IRAs — and convert them to accounts managed by the Social Security
Administration.
Triggered by the financial crisis the past two months, the hearings
reportedly were meant to stem losses incurred by many workers and retirees
whose 401(k) and IRA balances have been shrinking rapidly.
...
GRAs would guarantee a fixed 3 percent annual rate of return, although
later in her article Ghilarducci explained that participants would not “
earn a 3% real return in perpetuity.” In place of tax breaks workers now
receive for contributions and thus a lower tax rate, workers would receive $
600 annually from the government, inflation-adjusted. For low-income workers
whose annual contributions are less than $600, the government would deposit
whatever amount it would take to equal the minimum $600 for all
participants.
In a radio interview with Kirby Wilbur in Seattle on Oct. 27, 2008,
Ghilarducci explained that her proposal doesn’t eliminate the tax breaks,
rather, “I’m just rearranging the tax breaks that are available now for
401(k)s and spreading — spreading the wealth.”
All workers would have 5 percent of their annual pay deducted from their
paychecks and deposited to the GRA. They would still be paying Social
Security and Medicare taxes, as would the employers. The GRA contribution
would be shared equally by the worker and the employee. Employers no longer
would be able to write off their contributions. Any capital gains would be
taxable year-on-year.
Analysts point to another disturbing part of the plan. With a GRA,
workers could bequeath only half of their account balances to their heirs,
unlike full balances from existing 401(k) and IRA accounts. For workers who
die after retiring, they could bequeath just their own contributions plus
the interest but minus any benefits received and minus the employer
contributions.
Another justification for Ghilarducci’s plan is to eliminate investment
risk. In her testimony, Ghilarducci said, “humans often lack the foresight
, discipline, and investing skills required to sustain a savings plan.” She
cited the 2004 HSBC global survey on the Future of Retirement, in which she
claimed that “a third of Americans wanted the government to force them to
save more for retirement.”
Tax Day Less Painful For Top 400 Income Earners › | N*******d
发帖数: 5641 | 2 401k都算个人收入了，怎么充公？
【在 l*********1 的大作中提到】
: 交给快破产的Social Security Bureau保管。别以为国家是hello kitty，没钱有的是
: 办法整出钱来。现在危机又来了，这办法可行。
: Democrats in the U.S. House have been conducting hearings on proposals
: to confiscate workers’ personal retirement accounts — including 401(k)s
: and IRAs — and convert them to accounts managed by the Social Security
: Administration.
: Triggered by the financial crisis the past two months, the hearings
: reportedly were meant to stem losses incurred by many workers and retirees
: whose 401(k) and IRA balances have been shrinking rapidly.
: ...
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