The government recently introduced an incentive for first home buyers to save for a home.  In brief, the government will make a contribution equal to 17% of your personal contributions for the financial year up to a maximum of $850 for the 2008–09 year. So if you contribute $5,000 or more to your account during the 2008–09 year, the government will contribute $850 to your account.  That is a risk free and tax free rate of return equal to 17%.  There are restrictions on withdrawal such as needing to leave the money in the account for 4 years before you can access the funds.