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The Chile model for pension reform

AP via Washington Times:

Instead of paying social security taxes and wondering whether the government will deliver the promised retirement benefits, Chilean workers bankroll their own retirements and manage their own nest eggs.
In visits to modern customer-service offices, which are as common as bank branches in this city of 5.5 million, they move money from one stock and bond fund to another and use ATM-like machines to ensure that their monthly salary deductions go into pension savings.
Two decades after Chile's military dictatorship scrapped the country's broken and bankrupt government-run social-security system and replaced it with privatization, forced retirement savings by everyone who gets a regular paycheck is a way of life.
Chile's pension system is hailed as a model for the world because workers fund their old-age pensions, although critics point out that it doesn't cover the self-employed or the legions of workers who float from job to job and contribute infrequently.
Still, about 7 million Chileans in the nation of 15 million are investors in the longest-running government-mandated private pension experiment on the planet. They don't pay the government a single peso to fund their social security, and half regularly funnel 10 percent of their income into retirement accounts they own and decide how to invest.
"The best thing about it is, I didn't give my future to the government," said retired tax lawyer Juan de Dios de Vergara, while making minor pension changes at an office run by Summa Bansander, owned by Spain's Banco Santander. "I assumed my own risks, made my own decisions, and the funds belong to me, so I get the earnings."
Countries from Mexico to Sweden have adopted the system or elements of it amid concerns that government-based social security benefits will be slashed when retirees outnumber contributors.

To Democrats it must be a "risky scheme."