Traditional IRA, Roth IRA, or 401(k) – Which One Is Better for You? page context
Traditional IRA, Roth IRA, or 401(k) – Which One Is Better for You? is a Billshark resource with information and navigation relevant to recurring bills, consumer choices, and savings decisions.
Traditional IRA, Roth IRA, or 401(k)? Learn how each retirement account is taxed, why to start with a 401(k), and which to pick by age. Choose yours today.
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You’ve heard it over and over: save for retirement.
The main options available to the average investor are a 401(k) plan, a traditional Individual Retirement Account (IRA), and a Roth IRA.
With a 401(k) plan, any money you contribute to your account comes from your gross earnings, i.e., before taxes.
A traditional IRA works the same way, though of course there are no employer contributions to the plan.
With a Roth IRA, it’s just the opposite.
A recent article in the Chicago Tribune put it succinctly.
Most analysts urge everyone to start with a 401(k), largely because of the employer contribution.
Once you’ve maxed out on the employer match, however, you may want to find another way to diversify your retirement savings.
“Most young adults have lower incomes in their early earning years than they do later in their careers and even retirement,” financial adviser Jared Parks told CBS MoneyWatch.
This advice is seconded by Matt Gellene, a Merrill Edge executive, who told U.S.
To confuse the issue even further, the Tribune notes, many 401(k) plans now allow you to make Roth-style contributions, that is, contribute after-tax income now to avoid taxes on withdrawals later.
In general, however, the smart advice is to start with a 401(k) and contribute up to the maximum employer match.
And if you’re looking for ways to cut expenses so you can save more for retirement, let our Sharks sink their teeth into your bills.
With a 401(k), your contributions come from gross earnings before taxes, so you lower this year’s taxable income but pay taxes on whatever you withdraw at retirement.
Most analysts urge everyone to start with a 401(k) largely because of the employer contribution.
A Roth IRA tends to make the most sense for younger savers in lower income brackets.
Start with a 401(k) and contribute up to the maximum employer match.
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1 The Three Main Retirement Accounts.
2 How They’re Taxed.
3 Why to Start With a 401(k).
4 When a Roth IRA Makes Sense.
5 The Smart Strategy.
Frequently Asked Questions.
What are the three main retirement accounts for the average investor?.
How is a 401(k) taxed compared to a Roth IRA?.
Why do most analysts recommend starting with a 401(k)?.
When does a Roth IRA make the most sense?.
What is the smart overall strategy for retirement savings?.
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