[ccmay]

People may well not wish to do that if any profit is deducted from SS payments without an incentive.

There are certainly incentives: (1) the amount saved by younger workers is likely to exceed any Social Security they could reasonably hope to receive, and (2) the account passes to your heirs after your death.

-ccm

[flitton]

Thanks for that. The inheritance aspect should be attractive as it gets rid of the 'wasted saving' aspect.