Hmmmm, just heard a poll this morning that said that 2/3 of the American people thought the stock market was too risky AND that 1/3 of the people who had planned to retire in the near future COULD NOT because their assets had been reduced dramatically by the bear market. Wasn't it Sapling and the elephant men who were pushing "letting private individuals invest part of their social security taxes in the stock market to improve their rate of return and bolster the system". By golly, I believe it was. Just another elephant man SCAM job exposed for what it is -- a HOAX. P.S. Is the stock market a good place to invest. Absolutely. Is it the place for the casual investor with an unpredictable financial outlook and timeframe to invest in, especially for the safety net goal that social security has. ABSOLUTELY NOT!!!