While I like the investment idea, a “too big to fail” ideology has already cost our country more than this would cost.  That mentality would be present to the highest degree with this kind of program.  And what would keep the plan administrators from investing in good ole’ US Treasury notes (the only “sure” investment; in other words, straight into the hands of free-spending politicians?)!  Nope, I do not trust them either. A good lesson though, is that a small amount at a very young age, managed well, can produce a great amount of wealth given a lifetime of growth.