4 ms·
I agree, it's an important distinction that should be made more clear. one advantage to a roth (or traditional) IRA over a 401k is that you get to choose the fu
by leetcrew 5y ago
I agree, it's an important distinction that should be made more clear. one advantage to a roth (or traditional) IRA over a 401k is that you get to choose the funds yourself. my employer doesn't offer very good funds (the expense ratio on the s&p500 option is over 50 basis points!), so I max out my roth IRA before contributing to my 401k.
- vmception 5y agoA self directed 401k allows that too just like a self directed ira. 401k is still superior then. Roth or otherwise you can “mega backdoor roth” into self directed 401ks