选择该计划的美国年轻人将看到，几十年后当他们退休时，传统的养老金福利将被来源于私人账户的收入所取代，他们能自由将其用于各种投资，包括股票。
Young people in the US who opt for it would see most of the traditional pension benefit replaced when they retire decades from now with proceeds from personal accounts that they would be free to allocate among a range of investments, including stocks.