A tax credit for equities investments made in 401Ks through mutual funds targeting balanced and secure growth on a limited amount, investment couldn't be withdrawn for five years to both benefit from the secure guarantee of the capital invested + a minimum interest to be set (regular savings rate??) and keep the full amount of the tax credit, 100% deductible from the taxes owned the first year, 20% to be reimbursed for each year the investment isn't maintained. The funds will be Fed supervised but private.

The amount to be invested can be limited and the tax credit limited to 15%. Adopting an investment plan under the same scheme scheduling an investement every year for the next ten years would send the tax credit rate to 20% for an amount limited to $ 10,000.00 a year.