By having both pre-tax (401k) and post-tax (Roth IRA), you would be also diversifying your tax liability in your retirement. What about Traditional IRAs and Ro

By having both pre-tax (401k) and post-tax (Roth IRA), you would be also diversifying your tax liability in your retirement. What about Traditional IRAs and Roth 401ks? Tax deferral strategy (Roth v Traditional) is orthogonal to the plan type (IRA v 401k).