After some Google research, and years in various libertarian movements, and the acquaintance of a gentleman who is a semi-hero in the anti-tax movement and who spent two and a half years in the fed prison for his efforts -- I do not believe there is currently any reasonable opt-out of SS, other than religious/clergy exemption.
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It's true that, historically, almost all private investment outperforms SS returns. Even shitty investment.
Here is a CATO paper that points out:
Quote:
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If workers who retired in 2011 had been allowed to invest the employee half of the Social Security payroll tax over their working lifetime, they would retire with more income than if they relied on Social Security. Indeed, even in the worst-case scenario—a low-wage worker who invested entirely in bonds—the benefits from private investment would equal those from traditional Social Security.
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