The 401(k) vs Roth IRA decision shapes your retirement strategy. 401(k)s offer higher contribution limits and employer matching, while Roth IRAs provide tax-free withdrawals and more flexibility. Many investors use both for optimal tax diversification.
The 401(k) vs Roth IRA decision shapes your retirement strategy. 401(k)s offer higher contribution limits and employer matching, while Roth IRAs provide tax-free withdrawals and more flexibility. Many investors use both for optimal tax diversification.
The best choice depends on your individual financial situation, goals, and constraints. Use the calculators above to compare both options with your specific numbers.