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And your proposed alternative? Please provide at least 50 years of historic returns

If I could pick from any possible retirement plan, I'd want in on the UK pension system that's guaranteed to beat inflation and earnings growth. Until the money runs out, at least!

Because it's not an actual investment and can't run out. Like US Social Security and many other national schemes, the UK is pay-as-you-go. Money coming in is immediately paid out.

Any funds lying around are supposed to be for temporary imbalances, but became significant due to a major demographic imbalance: the Baby Boom.

But they're not significant. The National Insurance Fund is supposed to keep a minimum overfund of £24B (at current spending).

It's now at £79B. It's significantly overfunded.

You can buy i-bonds in the US. You are limited in how much though. They are pegged above CPI. You never hear about them because no one makes money on it. And maybe it isn't that great of an investment.

Historic returns do not predict future returns.

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