re: First time investor, advice

quote:

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Because the Roth growth is tax free, the 401K growth tax deferred.

I recommend both, not one over the other.


401K to reduce taxable income during your working years, you pay taxes on the gains when you start taking distributions in retirement.

Roth distributions in retirement aren't taxable

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And you can only contribute into a traditional Roth IRA up to a certain income level. So do it when you're young ish.