Not at all. The President's Commission Report entitled "Strengthening Social Security and Providing Personal Wealth for All Americans" is THE proposal for private stock accounts. http://www.csss.gov/reports/Final_report.pdf Page 5: "Social Security actuaries estimate that, for a single male worker born in 2000 with average earnings, the real annual return on his currently-scheduled contributions to Social Security will be only 0.86 percent." Therefore, you will at least get out of it what you have put into it, and this comes from a report that has a very pessimistic outlook for Social Security.