{ "media_type": "text", "post_content": "If my company doesn’t match my 401k yet, should I still max out my 401k contribution or make personal investments instead?", "post_id": "5b9bf08af5e15a00139c8640", "reply_count": 3, "vote_count": 2, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

If my company doesn’t match my 401k yet, should I still max out my 401k contribution or make personal investments instead?

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Yes, tax benefits.

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Depending on the amount you’re looking to contribute, I would select an IRA. You get the same tax benefits, and with added investment flexibility. Only potential downside I can see is your employer likely has a deal where employees pay low expense ratios (vs. what you can get in an IRA)

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Why not? If you don’t have other debt, max it out...

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