There are a variety of accounts available to most investors to save for retirement. You can opt for a traditional 401(k) or IRA, Roth versions of those accounts, or stick with a regular taxable brokerage account. You might even use a tax-free HSA to save for retirement.

If you're planning for the long run, which retirement planners necessarily are, it's best to have money spread across all of those accounts instead of piled into one. Doing so will provide the most flexibility for your savings while providing the greatest opportunity to keep your taxes low in retirement.

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Source Fool.com