Which Retirement Plan Is Best? 
The best retirement plan is one that someone else paid the cost . It is even better if it meets you needs . It is even better if it is inflation adjusted to meet with changing needs in the future . This question should probably be , What is second best ? Second best is a plan established by your employer to which the employer contributes money and you can contribute money on a tax deferred basis . That means that you dont pay income tax today on the money you put into the plan . 