Ok, I could see your point if your are owing/getting 10s of thousands of dollars, but I personally would not see much "return" on a $700 annual investment and as I stated before, my $700 is not going to get the government a whole lot either. Even if I invested that $700 and made a whole...lets say.....$28 then guess what....they tax me on that! And I still have to pay them them the $700 at the end of the year plus the tax on the $28. I am guessing that you make way more money then I do.