SUMMARY   Power of compounding (POC) is the most powerful force in the earth. POC can be utilize to accumulate large sum of wealth.   This is one way and may not be applicable to all:   1. Initially choose S&P 500 index for investment such as SPY in the New York stock exchange as investment vehicle.   2. Reinvest all dividends.   3. Keep adding principal frequently such as dollar cost averaging.   4. Consider buying stock utilizing selling put option to buy stock at a cheaper price and also get premium. Sell covered call option to get premium. Buy more stock with the premiums.   5. Trend is your friend. Utilize the 200 days average as a guide to longterm trend. Continue to buy stocks as uptrend is developed and consider to get out of the market partially or completely as downtrend develops, alternatively, buy put option as an insurance to protect the portfolio.   One should also consider other parameters of technical analysis to buy and sell stocks such as MACD, Stochastics and RSI ect. Before this question is addressed, present system of funding SS has not got a good track record considering the following facts: From letter to its members by Robin Talbert President, AARP Foundation AARP Foundation (giving@aarp.org) 11 December 2008 “Today a growing number of seniors find themselves needing a helping hand and quite likely you know someone like this. Consider these facts: 5 million seniors live on less than $10,000 annually 29% of Americans skipped treatments, tests or prescriptions because of costs. 25% of seniors survive on social security alone. An estimated 5 million regularly sacrifice food to pay bills.”