Time To Kill The 403(b)? in 403(b) Forum Posted December 22, 2008 · Report reply Hey Steve, I know. But his failure to answer is really the answer. Dan Dan, was this referred back to me? I have my opinion on SS and it is that we are handing over our money with little direction as to how it is handled. I do think that the program has a very important place. I know plenty of people who depend on this as their sole source of income. Without this program, our elderly in this country would be in much worse shape and I find some value in that. With that said I would like to be able to see an account for myself grow, even if it was in a fixed annuity type product that would average between 3.5% to 5.5% depending on the interest rate environment. That would at least guarantee the person getting something for his time value of money. The big question is what % can be allowed to take out of the system. We keep hearing about need buyers for debt other than treasury bonds, let PIMCO manage this and we would start getting more bang for our buck. Also I would like to see the people that SS is replacing 70% of their preretirement income for. That # is way to high for me.