Article: PRIVATE ACCOUNTS\ THE PRESIDENT SAYS THEY'RE THE KEY TO SAVING SOCIAL SECURITY. BUT IS THEIR RETURN REALLY BETTER?(MoneyWise)

Byline: David R. Francis Christian Science Monitor

At the heart of President Bush's plan to sell Social Security private accounts is a simple notion: You're always better off investing your retirement money than letting the government do it.

By doing it yourself, you can stow some money in the stock market, and over the long run will get a better return on that investment than today's Social Security system offers.

The idea is broadly accepted. That's why the administration's plan to partially privatize the system sounds appealing to many. But that better return won't always happen.

Just ask Stanley Logue of San Diego.

For 45 ...

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