Perhaps I am too paranoid, having spent my working life watching certain political groups attack social security or change it into a managed wall street moneymaker (we at xxx investing, will take our experience and your money ... and make it your experience and our money...etc). Somehow this idea really sounds like an attempt to lay the groundwork for killing off social security. Oh, it will be a government program to be sure, but someone will have to manage the funds. Even if they do go down this road I will be long dead by the time it starts sucking the life out of the workers.