ST Alpha - "Hijack. Say I give 4% more than my employer match percentage to my 401K. Should I put that 4% in a Roth IRA instead? -- nm" (Reading a Post)

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In response to "Get as much free money as you can. Usually this means taking advantage of employers' 401(k) match." by nubby

Hijack. Say I give 4% more than my employer match percentage to my 401K. Should I put that 4% in a Roth IRA instead? -- nm

Posted by ty97 Oct 30 '13, 09:47

(No message)

Responses:

It really depends - same thing as I said above about fees and investments - decline Oct 30, 09:58 3
- 97, decline is a tax professional and is saying mostly what I said. -- nm - peggy ann mcamanda Oct 30, 10:03 2
  - well more of a retirement professional - decline Oct 30, 10:15 1
    - sorry. "97, decline is dollar sexy and is saying...." better? -- nm - peggy ann mcamanda Oct 30, 10:17
It depends on the conditions of the 401(k). Put your money where it will (a) grow the best and (b, if there's a tie) be as liquid as possible. -- nm - nubby Oct 30, 09:52 4
- I have a very good 401K program, many options, low costs. - ty97 Oct 30, 09:55 2
  - you won't get much better investments choices than you have in your 401k -- nm - decline Oct 30, 10:00 1
    - and I mean your employer specific one (not 401k in general) -- nm - decline Oct 30, 10:06
- Personally, the state operates on fixed-contribution, so I have zero choice. -- nm - nubby Oct 30, 09:53
I think yes, as you know. but I think it might depend on how aggressively you manage to your AGI. -- nm - peggy ann mcamanda Oct 30, 09:50

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