You can't buy the real thing with money that's locked away until you're 60 or whatever.
I don't know these laws. Are they from the US?
reply
401k in the US, but I think you can still withdraw with a penalty. SIPP in the UK, with no early withdrawals. Most developed countries have something similar.
reply
Ah Okay, I know what you're talking about. Here in Portugal it's the PPR (Retirement Savings Plan)
reply