No. of Recommendations: 0
A three percent return?!? That is the average inflation per year in this country, no? At best they're breaking even in a forced government Ponzi Scheme (because Social Security isn't enough of a throat punch apparently!) and this is supposed to be a good thing? They'd be better off putting 2% of their income in an S&P 500 index fund!

Glad I'm nowhere near California.
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