Related Posts
Is now a good time to buy VTI?
More Posts
What jobs are currently paying 85k?
Additional Posts in Accounting
How do i see my utilization?
New to Fishbowl?
Download the Fishbowl app to
unlock all discussions on Fishbowl.
unlock all discussions on Fishbowl.




Split between roth amd traditional
Depends on tax bracket now and at retirement.
If you have the means, max out every tax advantaged account you can (not likely until you make manager). In priority order, you want to get the full employer match, then the HSA is triple tax advantaged so that should be second. From there, it’s going to depend on your current and expected retirement tax rates for whether you should go with Roth IRA or traditional IRA/401k. Investing outside the firm accounts (so IRA) gives you more options, but you have to make sure you are independent which can be a pain.
Roth vs traditional depends as stated above - google is your friend. Personally - I max out trad 401k to the extent matched, then max out Roth IRA, then go back to back to funding 401k up to the limit if I can.
I also max out HSA - it’s the best of both worlds - no other vehicle is triple deferred and everyone will have significant medical cost exposure at some point in their lives
First you max out your company match on 401k, get as much free money as possible. Then you should try to max out a contribution to a Roth IRA since you are likely paying at a relatively low tax rate now. Read details on your HSA - if your employer matches, contribute enough to get that match as well.
FYI, EY has a ROTH 401k