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I don't know these laws. Are they from the US?
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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.
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Ah Okay, I know what you're talking about.
Here in Portugal it's the PPR (Retirement Savings Plan)
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You can't buy the real thing with money that's locked away until you're 60 or whatever.