Ask any financial adviser out there if it is a good idea to put "all" of your savings into an account that would earn at a rate of 3% annually and see how long it takes for him/her to get up off the floor from laughter. Not to mention you're trusting the government to do this for you. The same government who has ruined the so called guaranteed Social Security system because they can't keep their little hands out of that pot of gold at the end of their self created rainbow.