What Is Better 401K Or Roth IRA? 
Which is better a Roth or a 401k ? Well , what are you trying to accomplish and have you given thought to doing both plans ? They basically work in opposite ways . The 401k allows you a tax break now to be paid later on the money distributed from the fund . The idea is you will be in a lower tax bracket so you 're coming out ahead . The Roth does the same thing in the opposite way . You pay your taxes on the contributions and take the money later for free . So with a Roth you 're paying taxes now , to avoid paying later . 