Any of you younger guys starting out, or perhaps you haven't ventured into retirement savings or don't have a 401k or retirement plan through work... here is a new option from the Dept of Treasury that will help you get into the mix. Its basically a ROTH IRA that's backed by the Treasury. No brokerage fees. $5500 per year ROTH limits, and it can grow until you hit 15k and then you can transfer to a normal ROTH account. It will not lose value. The annualized rate for last year was about 2% which is more attractive than any savings account you can get these days. The only downside is the money will not be accessible. But its free and easy, good intro to retirement savings. https://myra.gov/ *Interest earned is at the same rate as investments in the Government Securities Fund, which earned 2.31% in 2014 and an average annual return of 3.19% over the ten-year period ending December 2014. Its not comparable to stock market gains these last couple years but there is also no risk of a downturn and losing money. I had to lock into a 2 year CD to get 2% and that was only a special promo offer.