Comparing the Risks of Social Security with and without Individual Accounts
比较了传统社会保障体系与引入个人账户后的风险差异，对研究养老金改革的经济学者有参考价值。
Comparing the Risks of Social Security with and without Individual Accounts by Sita Nataraj and John B. Shoven. Published in volume 93, issue 2, pages 348-353 of American Economic Review, May 2003