The No-Brainer Retirement Account I'd Choose Way Before a 401(k)
If you get a match, investing enough in your 401(k) to maximize that match should be the first major investment you should make. Once that core is taken care of, however, many 401(k)s lose a bit of their luster. Account maintenance fees, limited investment choices, and somewhat tough withdrawal rules if you need to tap your money early often make a 401(k) a less than ideal choice for your investments.
Indeed, there's a no-brainer retirement account I'd choose way before putting more money into a 401(k). That account is a Roth IRA. Whether I'd be getting money into a Roth IRA directly or via a backdoor contribution, setting a target of maxing out a Roth IRA contribution would be my top priority after getting that 401(k) match.
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Source Fool.com
