(Treasury Department to begin pilot program in late 2014 with a few employers to allow saving of only slight amounts in IRA-type account; account can be opened with as little as $25 and $5 every payday via payroll deductions (with no employer match); no fees involved, but account funds only earn interest at rate set forth in Government Securities Investment Fund in federal employees' Thrift Savings Plan which earned approximately 1.5% to 3% over past five years; subject to Roth IRA income and contribution limits; when balance reaches $15,000 or after 30 years (whichever occurs first) funds must be rolled into regular Roth; account can be rolled over to regular Roth at any time and can be transferred to new employer upon job switch; proposal largely viewed as political stunt and is not viable long-term solution to retirement-savings issue insomuch as rate of return unlikely to keep up with inflation, but option may be worthwhile for persons nearing retirement; better options currently exist allowing for minimal investment with no charges or fees and provide for higher rate of return with minimal risk).