A 401(k) is a lot of people's go-to place for retirement savings, thanks to their high contribution limits and the possibility of an employer match. But they're not the right fit for everyone. A company match isn't guaranteed, and some plans only offer high-cost investment options. And then, there are a lot of people who don't have access to a 401(k) through their employer at all.

Fortunately, there are plenty of other options if you don't think a 401(k) is right for you. Here are three that I like much better.

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Source Fool.com