Just as corporations today are much happier supporting workers’ pensions by contributing to employees’ private accounts, so governments today should offer (or require) contributions to privately owned accounts. The value of these accounts would fluctuate with the market rather than resting on a defined-benefit scheme that guarantees a fixed real sum of resources available upon retirement.
这些观点的鼓吹者提出一个不同的模式。正如当今企业非常愿意通过分摊雇员们的私人帐户而支持工人们的养老金一样，如今的政府应当为雇员们的私人帐户提供分摊金，或者应当如此要求。这些帐户的价值将会随着市场的变化而起伏，而不是依赖于金额确定的、保证在退休时提供固定实际收入的养老金体制。