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JTP - Apologise to Monica ♦
JTP - Apologise to Monica ♦
  • 172.6k
  • 34
  • 297
  • 560
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive. (Features listed in other bullet points)
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRAover time.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive. (Features listed in other bullet points)
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRA.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive. (Features listed in other bullet points)
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth over time.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
added 41 characters in body
Source Link
JTP - Apologise to Monica ♦
JTP - Apologise to Monica ♦
  • 172.6k
  • 34
  • 297
  • 560
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive. (Features listed in other bullet points)
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRA.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive.
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRA.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive. (Features listed in other bullet points)
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRA.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)
Source Link
JTP - Apologise to Monica ♦
JTP - Apologise to Monica ♦
  • 172.6k
  • 34
  • 297
  • 560

  • you have already deposited up to the employer match on the 401(k) and the IRA is more attractive.
  • the 401(k) does not offer the Roth version, and you prefer that as an option so you use Roth IRA
  • you already have $100K+ in the 401(k), so the loan option is already optimized (i.e. the $50K limit is available)
  • you like the strategy of converting to Roth with individual investments, but recharacterizing losers. This needs an IRA.
  • The 401(k) fees are high. After the match, it's just extra cost
  • The 401(k) investing options are not varied enough or to your liking. IRA has far more flexibility
  • (more to come)