Retirement
401(k) vs IRA: How to Choose the Right Retirement Account
Understand contribution limits, employer matches, investment menus, and tax treatment before choosing where to save.
A 401(k) and an IRA can both help fund retirement, but they solve different planning problems.
Quick comparison
Employer match, fees, tax treatment, and access rules usually drive the decision.
When to use both
Many savers benefit from using both account types when eligible.
Sources
- Retirement Topics · IRS
About Mira Shah
Mira writes about long-term investing systems, editorial quality, and source-backed financial education.
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