How to Reform Social Security

If people make bad investments, they could not deplete their accounts.  The government would still give them Social Security benefits.  But they would be reduced to partially make up the shortfall.  A person could only take out upwards to half of what is in his account in the Social Security Administration.  If he makes profit and the government puts more into his account, he would have access to more money in the future.  

There are already 401K plans in the system.  Members of Congress in the past could avoid paying into the system because they knew they would get a bigger return from private investments than from Social Security.  It is about time American citizens could invest their money like their elected officials could.  Congressmen brag about the health care plan they have and want us to have it.  Why not let us use their investment plan too if it is so good? 

If my Applied Capitalism System becomes a reality and the government becomes more a profit-making organization than a money-losing organization, Washington could invest Social Security funds in companies it starts to make large profits for recipients.  $100 billion might gain a profit of $300 billion within a decade and the dividends from the stock could be used for payout to the recipients.  

Investment experts often know how best to invest money for clients to make them profit.  Washington is full of morons it seems when it comes to investing our money in Social Security that we will have to live on for the rest of our lives.  Let the experts take care of our money like it is their money instead of Washington that is an expert at wasting our money.