"Given the stated reasons for creating myRAs, they do seem to offer some apparent advantages.... The problem is that you can't build wealth for retirement by investing in assets that simply keep pace with inflation.... The inappropriateness of the single investment option calls into question whether myRA is violating a fiduciary duty to the target investors.... Proponents of myRA claim it offers a savings vehicle not currently being offered in the free market. But is that true? ... This calls into question the sustainability of the myRA."