My current employee offers a 403(b) with a Roth option. I also have a Roth IRA.
The Roth IRA has a lower annual contribution limit than the 403(b).
I have some questions regarding contributions.
- Should I stop contributing to my Roth IRA since I can contribute more to my 403(b)?
- When I leave my current organization, and I rollover my 403(b) to my Roth IRA, is there a limit? Can I rollover everything?
If I can rollover everything, and I contribute to my 403(b) more than what the Roth IRA allows, does this mean that I would be able to make up a bit for contributing to my Roth IRA late (in my 30s)?
- I don't get any employer matching
- I wouldn't mind investing in both products or any combination thereof