But workers cannot invest this money, and any money not spent each year is forfeited.

He said he would let workers invest half their contributions themselves.

In most of these plans, workers invest the money, choosing from several options provided by their employers.

Another proposal would let workers take part of their current payroll taxes and invest it in a private retirement plan.

Now what could a politician who wants to let workers invest their own money honestly propose?

But they want to use the money to enable workers to invest in the stock market in private retirement accounts.

As the workers invest more their costs rise.

The $1,000 annual ceiling in the beginning would mean that only workers with income of $25,000 and below could invest the full 4 percent.

Congress should allow workers to invest a portion of their Social Security taxes in personal retirement accounts.

In one variation, workers usually invest money when they begin working.