SHOP PRODUCTS
Houzz Logo Print
behaviorkelton

no matching retirement, then ROTH?

behaviorkelton
16 years ago

If your employer doesn't offer matching funds for their 403b/401k, then does this usually wash out the advantages of a 401k over a ROTH?

In other words, is one about as good as the other when there are no matching funds involved? The generic advice seems to be: "contribute to the 401k until you have reached your employers matching limits, then contribute to your ROTH."

I'm in the ~25% tax bracket...I suppose the bottom half of the middle class (US).

The ROTH is easier to deal with.... I don't have to inform my employer or fill out special paperwork.

Comments (9)

Sponsored
HEMAX Construction Services & Landscaping, LLC
Average rating: 4.9 out of 5 stars34 Reviews
Innovative & Creative Landscape Contractors Servicing VA