> There is zero advantage to a society-level investment scheme and many disadvantages Except we're using it and it works. It's demonstrably better than the pr

> There is zero advantage to a society-level investment scheme and many disadvantages Except we're using it and it works. It's demonstrably better than the previous scheme wherein when a business failed it could take the entire pension with it leaving thousands of people high and dry. > mainly due to distancing "investors" from the investment It puts me directly in control of the investment whereas before I had zero control and had to accept whatever the company administrator decided. > which means that the goal of the system becomes profit only without any consideration for ethics. Do you want to solve the retirement problem or ethics in investing problem? If you insist they both be solved by the same action then I think you're going to end up with a system that has _negative_ advantages and _everyone_ will hate.