From what is posted above it would seem that every dollar invested has returned a profit to the investor.
Sadly, that is not the truth. In fact, contrary to the above graph many investors have lost money playing stocks.
Here's a list of the worst mutual funds in the 4Q 04. Notice that most have negative returns over the previous 3 years and many with negative returns over a 5 yr period.
Link
The idea that private accounts invested in stocks would be immune to market movement, and therefore not have the money at risk, is ludicrous. Or will these accounts take on added risk only to have their principle guaranteed by the feds? that would be an "uh oh" ....