But the U.S. national savings rate won't rise, and its savings-investment balance could actually worsen.

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Sure our financial literacy is dismal, but it was likely equally as pitiful in 1980, when our national savings rate was close to ten percent.

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And it suggests that America look at its own role, namely its love of cheap consumer goods and a national savings rate that hovers at or below zero.

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American capital markets are far and away the most liquid and efficient in the world, despite a minuscule national savings rate and a tax policy that swerves between counterproductive and comical.

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Only 18% know they are on track to reach their income goal in retirement, and the national average savings rate is only about 4%, well below the 10-15% financial planners typically recommend saving for retirement.

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Shifting the composition of the trust fund's portfolio in itself raises neither the savings rate nor national income: the fund would own more shares and fewer bonds, the private sector more bonds and fewer shares.

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