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Would the issue of Pensioner Bonds be a good idea?

To ensure  pensioners receive a reasonable return would it make sense for them to subscribe to Pensioner Bonds paying an interest rate of 10%,capital and interest guaranteed by the government.Businesses could use the funds if they willing to pay 10% or more for the use of the funds.The bonds would not be transferable .

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Who would decide what businesses got access to the funds? The government? Great. The government acting as a bank. I'm sure that will go well.

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