Reply #8: Well basically the SP500 averages about 12% per year

[Lucky Luciano]

and has never lost over any 5 year period....that is good...Then, when you get within 5 or 10 years of retirement, you can diversify into bonds so that you can avoid shorter term risks associated with being close to reitrement. Individual stocks would be too risky and most people do not understand the markets.

That sounds great to me.......except what people had confirmed about my other suspicions:

The people expecting to get paid today will either get fucked or we will go into a couple trillion more dollars worth of debt. These are both utterly unacceptable.