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Originally Posted by pan6467
Right now, the system is squeezing the worker and causing the death of the middle class and it is also telling the workers there isn't much to look forward to in retirement (as far as paying 12% into a bankrupt system). This system allows the middle class to grow, companies to grow, a man to help himself without government handouts, and tells the worker after 50 years of hard work, you will achieve a well deserved decent life.
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The T-Bond fund looks like it has some merit. Please see my last post, I think the retirement age will be going down for many. I know several engineers in their 50s who were forced retired early and have given up finding comparable employment. Some are working at places like Home Depot or Golf Couses for about a third of what they were making. Your T-Bond plan builds up a nice amount for these folks as well but they could maybe do even better by investing their FICA tax.