401ks have the same maximum dollar investment limits, but you can invest in whatever you want in an IRA. You only pay tax now on Roth IRAs, not standard IRAs, w

401ks have the same maximum dollar investment limits, but you can invest in whatever you want in an IRA. You only pay tax now on Roth IRAs, not standard IRAs, which are tax deferred. I don't like matching. I think the company should just throw some amount of money/profit sharing into the retirement plan- which is what every place I've worked at for the last 13 years (including my own company now) does.