Rola funduszy inwestycyjnych w rozwoju programów emerytalnych w USA
Mutual funds role in retirement programs’ development in the USA

Summary/Abstract: This paper concentrates on mutual funds role in Social Security System and Retirement Programs in the USA. It describes basic mechanisms, numbers and rules of above problems. American pension system is based on 3-pillar scheme. Mutual funds play a very important role in this system, especially in the 2nd and 3rd pillar. The assets of US citizens can be invested in a wide variety of mutual funds, especially through IRA’s and DC Plans. The assets of US funds as well as the whole retirement system grew during the last decades. Because of the current financial crisis, assets declined at the end of 2008. However, during 2009−2010 they grew again. Mutual funds and a wide variety of pension programs provide a base of economic security in today’s society through a valuable package of retirement for the US citizens.

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