The tax advantage is for investing for retirement. I think there are good gains to be made in certain things (such as coops) but regulations forbid me from inve

The tax advantage is for investing for retirement. I think there are good gains to be made in certain things (such as coops) but regulations forbid me from investing in them, while the tax system incentivises me to put as as much money as possible away in tax friendly wrappers, which stifles my ability to invest.