data
alone, to be overly optimistic.

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The results show that a baseline personal account portfolio would be in
the red at retirement 32 percent of the time and yield a median rate of return
of 3.
(Logo: http://www.

About Oracle
Oracle is the world 's largest enterprise software company.

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Shiller simulated the future returns of the personal accounts using
historical U., over the
same time period-a more realistic gauge of future performance according to
Shiller-the personal accounts lose money 71 percent of the time and yield a
median return of 2.oracle.

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"To say that there is a money machine in the stock market, that it can be
tapped to yield great wealth without significant risk if one uses life-cycle
investment methods, is a big mistake," said Shiller.

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Shiller. The research finds that on the date of retirement, the personal
accounts would have negative values 71 percent of the time. He ran 91 simulations of the
data over six portfolio allocations. When the data is adjusted to reflect the
average international returns of 15 countries, including the U.com/cgi-bin/prnh/20020718/ORCLLOGO )
"We are pleased to announce the availability of Oracle Applications to our
existing OAI program. For more
information, visit the OAI Web site at: https://oai.

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personal creation

S.

Student can
later apply such product expertise to several industries, including retail,
finance, manufacturing, healthcare and more," said Clare Dolan, vice
president, Oracle Academic Initiatives.

About Oracle Academic Initiative
The Oracle Academic Initiative, part of Oracle's Education Initiatives
family , partners with educators to deliver state-of-the-art Oracle software
and curriculum resources to the college and university classroom.

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6 percent. Shiller is the Stanley B. This addition presents an immediate applications
training solution for thousands of interested students globally.

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IrrationalExuberance . However, Shiller considers these results, based on U. While
the plan is described as a way of 'fixing ' Social Security, in effect, the new
personal accounts are nothing more than a plan to encourage people to buy
stocks and bonds on margin, that is to borrow money to buy stocks, with the
Federal government as the lender offering a 3 percent real interest rate on
the loan," according to Shiller .

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S.html.

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Introduction of Oracle Applications Training Will Enable Higher Education
Students to Prepare for 21st Century Careers

REDWOOD SHORES, Calif.

OAI was established in 1998 to help educators deliver state-of-the-art
Oracle software and curriculum resources to college and university classrooms.

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, Workers who opt to invest in
the personal accounts outlined in President Bush's Social Security reform plan
are likely to earn less to retire on than those who stay in the traditional
system, according to a new study by Yale University economist Robert J. The addition of Oracle Applications to OAI will provide educators
worldwide with a comprehensive offering, including:
-- A choice of one of the following applications product packages:
Oracle's JD Edwards, JD Edwards World, Oracle E-Business Suite and
PeopleSoft Enterprise;
-- Oracle Premier Support Package;
-- Access to Oracle University curriculum at discounted prices; and a
-- 50 percent discount on select Oracle University events.

personal student

stock, bond , and money market data from 1871-2004.com/en/index.

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The returns on the stock market
are not high enough to make the life cycle portfolio a good investment.
Robert J.
OAI forms partnerships with higher education institutions to offer a
curriculum that helps students acquire vital information technology skills and
access to the Oracle certification pathway as part of a broader program of
study.com/.D.

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com. For more
information about Oracle, visit our Web site at http://www.

Trademarks
Oracle, J.

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html. OAI's
mission is to support every student of higher education across the globe to
acquire industry-relevant skills and an introduction to the Oracle
certification pathway as part of a broader program of study.com/en/index.

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Oracle Academic Initiative Brings Applications Technology Training to College and University Classrooms

oracle.

interests applications

The paper, "Estimating the Returns to Life Cycle Personal Accounts for
Social Security," is available on Professor Shiller's website:
http://www.newscom. Other names may be trademarks of
their respective owners.

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Life cycle portfolios invest aggressively in
the stock market when the worker is young, and gradually shift to more
conservative investments as the worker ages.4 percent.S.
He argues that the poor performance of the accounts is largely a result of
the 3 percent real interest rate, or offset value, that workers would "pay
back" to the government at the time of retirement.

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Social Security Personal Accounts Offer Workers More Risk Less Return Than Traditional System According to New Study by Yale Economist Robert J. Shiller

NEW HAVEN, Conn. The
analysis is based on a worker born in 1990 who starts participating in the
accounts in 2011, retires in 2055 at age 65, and contributes the full 4
percent of earnings into the personal account. Resor Professor of Economics at the
Cowles Foundation for Research in Economics at Yale University and a faculty
fellow at the International Center for Finance at the Yale School of
Management., The Oracle
Academic Initiative (OAI) today announced the addition of the Oracle
Applications product line to its program offerings.

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He is the bestselling author of The New Financial Order and
Irrational Exuberance, just released in its second edition by Princeton
University Press (March 2005). This addition will round
out OAI's current Oracle 10g software curriculum, further ensuring that
colleges and universities have access to the latest, most industry -relevant
software to help prepare students for the demands of the 21st century
marketplace.

More information about OAI can be found at:
https://oai.

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"The most important reason for the disappointing performances of the life
cycle portfolio is just that the returns of the safer assets are below the 3
percent real rate used to compute the offset.

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It evaluates the risk and return of
investing in a "life cycle portfolio," the centerpiece of the President's
personal account plan that all workers would automatically be invested in
after age 47 unless they opt out. Edwards , PeopleSoft, and Siebel are registered trademarks of
Oracle Corporation and/or its affiliates.

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repetition listing

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