Privatization advocates insist, however, that investments in stocks would yield sufficiently higher returns to provide individuals the same retirement income as before, with the surplus used to fill the gap. But if markets are working well, then returns will be higher only because risk is higher.
然而，私有化拥护者们坚持，投资股票将会产生更高效率的回报，为个人提供与以前一样数目的退休工资，还有盈余可以填补开销与预算差距。但是如果市场行情看好，那么回报就会更高。但这只是因为风险更高了。在经济中，依然没有免费午餐。