<prompt> Human: This is a simple enough question, but Im guessing the answers will be fairly complex. Basically I am curious as to whether or not other countries have tax-exempt retirement accounts, similar to the US. Specifically I would be interested in European nations, but any other information is also appreciated. :  <response>: The UK has ISAs These are actually far more flexible than a Roth account as they are not retirement accounts, you can contribute up to 15k GBP around 23,000 each year, which is then sheltered from capital gains and most incomedividend tax just like a Roth account, but there is no need to wait until retirement to withdraw from them. 