What Is The Best Retirement Savings Plan? 
The best retirement plan is one that your employer gives you . It doesnt cost you anything . The next best retirement plan is one that defers all of the gain and charges no tax on the distribution . These plans are known as Roth plans . The next best retirement plan is one that allows you to deduct your contributions as you make them from your taxable income . It charges income tax on the entire distribution when you start taking it . These are all income tax plans regulated under the IRS regulations . 