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to the allowable limit, and you pay tax when you withdraw the money in retirement. ",[952],{"type":129,"attrs":953},{"color":773},{"type":18,"attrs":955,"content":956},{"textAlign":34},[957],{"text":958,"type":22,"marks":959},"401(k)s, and IRAs can be traditional and Roth. ",[960],{"type":129,"attrs":961},{"color":773},{"type":18,"attrs":963,"content":964},{"textAlign":34},[965],{"text":966,"type":22,"marks":967},"Unlike traditional accounts, which work the opposite way, Roth accounts allow you to pay tax when contributions are made, meaning you do not pay tax on withdrawals. ",[968],{"type":129,"attrs":969},{"color":773},{"type":18,"attrs":971,"content":972},{"textAlign":34},[973],{"text":974,"type":22,"marks":975},"In this article, we will discuss traditional 401(k)s and IRAs. ",[976],{"type":129,"attrs":977},{"color":773},{"type":764,"attrs":979,"content":980},{"level":766,"textAlign":34},[981],{"text":982,"type":22,"marks":983},"What are the similarities between a 401(k) and an 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You pay income ",[1069],{"type":129,"attrs":1070},{"color":773},{"text":1072,"type":22,"marks":1073},"tax in retirement",[1074,1077,1079],{"type":31,"attrs":1075},{"href":1076,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/taxes/taxes-in-retirement-how-can-i-protect-my-income",{"type":129,"attrs":1078},{"color":826},{"type":828},{"text":1081,"type":22,"marks":1082}," on the money you withdraw. ",[1083],{"type":129,"attrs":1084},{"color":773},{"type":764,"attrs":1086,"content":1087},{"level":1055,"textAlign":34},[1088],{"text":1089,"type":22,"marks":1090},"Income limits",[1091],{"type":129,"attrs":1092},{"color":1062},{"type":18,"attrs":1094,"content":1095},{"textAlign":34},[1096],{"text":1097,"type":22,"marks":1098},"Unlike Roth accounts, IRAs and 401(k)s do not have income limits. ",[1099],{"type":129,"attrs":1100},{"color":773},{"type":764,"attrs":1102,"content":1103},{"level":1055,"textAlign":34},[1104],{"text":1105,"type":22,"marks":1106},"Withdrawals",[1107],{"type":129,"attrs":1108},{"color":1062},{"type":18,"attrs":1110,"content":1111},{"textAlign":34},[1112,1121],{"text":1113,"type":22,"marks":1114},"Withdrawal rules",[1115,1118,1120],{"type":31,"attrs":1116},{"href":1117,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/ira-withdrawal-rules",{"type":129,"attrs":1119},{"color":826},{"type":828},{"text":1122,"type":22,"marks":1123}," work the same for IRAs and 401(k)s as well. The retirement age is 59 ½, when you can start making withdrawals without incurring a penalty. ",[1124],{"type":129,"attrs":1125},{"color":773},{"type":764,"attrs":1127,"content":1128},{"level":1055,"textAlign":34},[1129],{"text":1130,"type":22,"marks":1131},"Penalties",[1132],{"type":129,"attrs":1133},{"color":1062},{"type":18,"attrs":1135,"content":1136},{"textAlign":34},[1137,1142,1151],{"text":1138,"type":22,"marks":1139},"Penalties are similar for a 401(k) and an IRA, with a few differences. The penalty for withdrawing your money from a 401(k) or an IRA is 10%. You’ll pay income taxes on the money you withdraw as well. There are exceptions, such as disability, the birth or adoption of a child, emergency expenses, and ",[1140],{"type":129,"attrs":1141},{"color":773},{"text":1143,"type":22,"marks":1144},"others outlined by the IRS",[1145,1148,1150],{"type":31,"attrs":1146},{"href":1147,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions",{"type":129,"attrs":1149},{"color":826},{"type":828},{"text":1152,"type":22,"marks":1153},".  ",[1154],{"type":129,"attrs":1155},{"color":773},{"type":764,"attrs":1157,"content":1158},{"level":1055,"textAlign":34},[1159],{"text":1160,"type":22,"marks":1161},"Required minimum distributions",[1162],{"type":129,"attrs":1163},{"color":1062},{"type":18,"attrs":1165,"content":1166},{"textAlign":34},[1167],{"text":1168,"type":22,"marks":1169},"Both IRAs and 401(k)s have required minimum distributions (RMDs) starting at age 73. In other words, you’ll be required to take a distribution if you haven’t been. ",[1170],{"type":129,"attrs":1171},{"color":773},{"type":764,"attrs":1173,"content":1174},{"level":766,"textAlign":34},[1175],{"text":1176,"type":22,"marks":1177},"What's the difference between an IRA and a 401(k)?",[1178],{"type":129,"attrs":1179},{"color":773},{"type":18,"attrs":1181,"content":1182},{"textAlign":34},[1183],{"text":1184,"type":22,"marks":1185},"IRAs and 401(k)s have some differences that may cause you to choose one over the other. These differences include:",[1186],{"type":129,"attrs":1187},{"color":773},{"_uid":1189,"caption":12,"content":1190,"component":1015,"show_search":543,"paste_content":1204,"number_of_rows":1048,"show_pagination":543,"hide_heading_row":543,"search_placeholder":12,"first_col_to_headings":543},"906b5b5b-e394-461d-98ad-2ad750f48e84",{"tbody":1191,"thead":1199,"fieldtype":1014},[1192],{"_uid":1193,"body":1194,"component":1007},"e022ea0f-28ed-4e5e-a189-2a9af69aa96a",[1195,1197],{"_uid":1196,"value":12,"component":1004},"fcf21fed-18f0-4bf6-952b-a932ea9c3a4c",{"_uid":1198,"value":12,"component":1004},"f52f9151-e6a5-4294-bc34-c29ae169234a",[1200,1202],{"_uid":1201,"value":12,"component":1011},"8502db3f-0765-4d8b-a18a-d1d618fb360f",{"_uid":1203,"value":12,"component":1011},"e9e25143-1bef-4a35-a77e-0f079a5e6722",{"type":15,"content":1205},[1206,1210,1215,1220,1225,1230],{"type":18,"attrs":1207,"content":1208},{"textAlign":34},[1209],{"text":1022,"type":22},{"type":18,"attrs":1211,"content":1212},{"textAlign":34},[1213],{"text":1214,"type":22},"Sponsor\tEmployer\tSelf",{"type":18,"attrs":1216,"content":1217},{"textAlign":34},[1218],{"text":1219,"type":22},"Investment options\tLimited to those available with your employer’s plan.\tAny investment available with your provider.",{"type":18,"attrs":1221,"content":1222},{"textAlign":34},[1223],{"text":1224,"type":22},"Contributions limits\tUp to $24,500 for 2026\t$7,500 per year ($8,600 if over age 50)",{"type":18,"attrs":1226,"content":1227},{"textAlign":34},[1228],{"text":1229,"type":22},"Employer contributions\tEmployer matches\tNone",{"type":18,"attrs":1231,"content":1232},{"textAlign":34},[1233],{"text":1234,"type":22},"Loans\tYes, if the employer’s plan allows\tNo",{"_uid":1236,"data":1237,"component":994},"e95b5840-2ccd-4da7-b5fd-ef6dc609ced7",{"type":15,"content":1238},[1239,1247,1255,1263,1271,1279,1287,1295,1303,1311,1319,1327,1335,1356,1364,1372,1380,1388,1393,1491,1496,1559,1564,1627,1632,1682,1690,1698,1706,1748,1756,1764,1772],{"type":764,"attrs":1240,"content":1241},{"level":1055,"textAlign":34},[1242],{"text":1243,"type":22,"marks":1244},"Sponsor",[1245],{"type":129,"attrs":1246},{"color":1062},{"type":18,"attrs":1248,"content":1249},{"textAlign":34},[1250],{"text":1251,"type":22,"marks":1252},"A 401(k) is sponsored by your employer, while anyone can open an IRA. ",[1253],{"type":129,"attrs":1254},{"color":773},{"type":764,"attrs":1256,"content":1257},{"level":1055,"textAlign":34},[1258],{"text":1259,"type":22,"marks":1260},"Investment options",[1261],{"type":129,"attrs":1262},{"color":1062},{"type":18,"attrs":1264,"content":1265},{"textAlign":34},[1266],{"text":1267,"type":22,"marks":1268},"With a 401(k), your investment options are limited to the options your employer has available with the plan provider. ",[1269],{"type":129,"attrs":1270},{"color":773},{"type":764,"attrs":1272,"content":1273},{"level":1055,"textAlign":34},[1274],{"text":1275,"type":22,"marks":1276},"Contribution limits",[1277],{"type":129,"attrs":1278},{"color":1062},{"type":18,"attrs":1280,"content":1281},{"textAlign":34},[1282],{"text":1283,"type":22,"marks":1284},"A 401(k) has much higher limits than an IRA. The most recent limits for 2026 are $24,500 for a 401(k) and $7,500 for an IRA. ",[1285],{"type":129,"attrs":1286},{"color":773},{"type":764,"attrs":1288,"content":1289},{"level":1055,"textAlign":34},[1290],{"text":1291,"type":22,"marks":1292},"Employer contributions",[1293],{"type":129,"attrs":1294},{"color":1062},{"type":18,"attrs":1296,"content":1297},{"textAlign":34},[1298],{"text":1299,"type":22,"marks":1300},"One of the main advantages of a 401(k) over an IRA is employer contributions. It’s common to receive some type of match from your employer for funds invested in your 401(k). The employer determines the amount. ",[1301],{"type":129,"attrs":1302},{"color":773},{"type":764,"attrs":1304,"content":1305},{"level":1055,"textAlign":34},[1306],{"text":1307,"type":22,"marks":1308},"Loans",[1309],{"type":129,"attrs":1310},{"color":1062},{"type":18,"attrs":1312,"content":1313},{"textAlign":34},[1314],{"text":1315,"type":22,"marks":1316},"While IRAs do not offer loans, 401(k)s may (depending on your employer). You may be able to take out up to 50% of the vested balance of your 401(k) without a credit check. You pay yourself back in installment payments. However, it’s important to remember that a 401(k) loan will eat into your retirement savings, which could leave you with less saved in retirement. ",[1317],{"type":129,"attrs":1318},{"color":773},{"type":764,"attrs":1320,"content":1321},{"level":766,"textAlign":34},[1322],{"text":1323,"type":22,"marks":1324},"Can you contribute to an IRA and a 401(k)?",[1325],{"type":129,"attrs":1326},{"color":773},{"type":18,"attrs":1328,"content":1329},{"textAlign":34},[1330],{"text":1331,"type":22,"marks":1332},"Yes, you can contribute to both an IRA and a 401(k). ",[1333],{"type":129,"attrs":1334},{"color":773},{"type":18,"attrs":1336,"content":1337},{"textAlign":34},[1338,1343,1351],{"text":1339,"type":22,"marks":1340},"You may have an employer that offers a 401(k) – and possibly a ",[1341],{"type":129,"attrs":1342},{"color":773},{"text":1344,"type":22,"marks":1345},"matching contribution",[1346,1348,1350],{"type":31,"attrs":1347},{"href":937,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1349},{"color":826},{"type":828},{"text":1352,"type":22,"marks":1353}," – that you’ll want to take advantage of. However, you may have limited investing options within that account. You’ll also likely need to roll it over once you leave your employer. ",[1354],{"type":129,"attrs":1355},{"color":773},{"type":18,"attrs":1357,"content":1358},{"textAlign":34},[1359],{"text":1360,"type":22,"marks":1361},"An IRA is an account you can open yourself. You’ll likely have more investment options and be able to control the investment decisions. ",[1362],{"type":129,"attrs":1363},{"color":773},{"type":18,"attrs":1365,"content":1366},{"textAlign":34},[1367],{"text":1368,"type":22,"marks":1369},"You may want a 401(k) for the employer match, and an IRA to manage your own investments. ",[1370],{"type":129,"attrs":1371},{"color":773},{"type":764,"attrs":1373,"content":1374},{"level":766,"textAlign":34},[1375],{"text":1376,"type":22,"marks":1377},"401(k) vs. IRA: What are the pros and cons?",[1378],{"type":129,"attrs":1379},{"color":773},{"type":18,"attrs":1381,"content":1382},{"textAlign":34},[1383],{"text":1384,"type":22,"marks":1385},"401(k)s and IRAs each have their pros and cons. ",[1386],{"type":129,"attrs":1387},{"color":773},{"type":764,"attrs":1389,"content":1390},{"level":1055,"textAlign":34},[1391],{"text":1392,"type":22},"Pros of 401(k)",{"type":775,"content":1394},[1395,1411,1427,1443,1459,1475],{"type":778,"content":1396},[1397],{"type":18,"attrs":1398,"content":1399},{"textAlign":34},[1400,1406],{"text":1401,"type":22,"marks":1402},"Contribution limit: ",[1403,1405],{"type":129,"attrs":1404},{"color":773},{"type":38},{"text":1407,"type":22,"marks":1408},"A 401(k) has a higher contribution limit than an IRA.",[1409],{"type":129,"attrs":1410},{"color":773},{"type":778,"content":1412},[1413],{"type":18,"attrs":1414,"content":1415},{"textAlign":34},[1416,1422],{"text":1417,"type":22,"marks":1418},"Employer match:",[1419,1421],{"type":129,"attrs":1420},{"color":773},{"type":38},{"text":1423,"type":22,"marks":1424}," You may offer a match on funds contributed to a 401(k).",[1425],{"type":129,"attrs":1426},{"color":773},{"type":778,"content":1428},[1429],{"type":18,"attrs":1430,"content":1431},{"textAlign":34},[1432,1438],{"text":1433,"type":22,"marks":1434},"401(k) loans:",[1435,1437],{"type":129,"attrs":1436},{"color":773},{"type":38},{"text":1439,"type":22,"marks":1440}," It may be possible to borrow from your 401(k), depending on your employer, which is a great advantage if you need it. ",[1441],{"type":129,"attrs":1442},{"color":773},{"type":778,"content":1444},[1445],{"type":18,"attrs":1446,"content":1447},{"textAlign":34},[1448,1454],{"text":1449,"type":22,"marks":1450},"Lower taxes now:",[1451,1453],{"type":129,"attrs":1452},{"color":773},{"type":38},{"text":1455,"type":22,"marks":1456}," You can lower your taxable income now by contributing money to your 401(k). May lower your taxable income. ",[1457],{"type":129,"attrs":1458},{"color":773},{"type":778,"content":1460},[1461],{"type":18,"attrs":1462,"content":1463},{"textAlign":34},[1464,1470],{"text":1465,"type":22,"marks":1466},"Easy payroll deductions: ",[1467,1469],{"type":129,"attrs":1468},{"color":773},{"type":38},{"text":1471,"type":22,"marks":1472},"When your 401(k) is with your employer, it’s easy to take money out of your paycheck for savings. ",[1473],{"type":129,"attrs":1474},{"color":773},{"type":778,"content":1476},[1477],{"type":18,"attrs":1478,"content":1479},{"textAlign":34},[1480,1486],{"text":1481,"type":22,"marks":1482},"Investments grow tax-free:",[1483,1485],{"type":129,"attrs":1484},{"color":773},{"type":38},{"text":1487,"type":22,"marks":1488}," You won’t pay taxes on the growth of your portfolio until you withdraw the funds at retirement. ",[1489],{"type":129,"attrs":1490},{"color":773},{"type":764,"attrs":1492,"content":1493},{"level":1055,"textAlign":34},[1494],{"text":1495,"type":22},"Cons of 401(k)",{"type":775,"content":1497},[1498,1514,1543],{"type":778,"content":1499},[1500],{"type":18,"attrs":1501,"content":1502},{"textAlign":34},[1503,1509],{"text":1504,"type":22,"marks":1505},"401(k) penalties:",[1506,1508],{"type":129,"attrs":1507},{"color":773},{"type":38},{"text":1510,"type":22,"marks":1511}," There is a 10% penalty on funds withdrawn before retirement age (with some exceptions).",[1512],{"type":129,"attrs":1513},{"color":773},{"type":778,"content":1515},[1516],{"type":18,"attrs":1517,"content":1518},{"textAlign":34},[1519,1525,1530,1539],{"text":1520,"type":22,"marks":1521},"Employer-dependent:",[1522,1524],{"type":129,"attrs":1523},{"color":773},{"type":38},{"text":1526,"type":22,"marks":1527}," If you leave your employer, you’ll likely need to ",[1528],{"type":129,"attrs":1529},{"color":773},{"text":1531,"type":22,"marks":1532},"roll over your 401(k)",[1533,1536,1538],{"type":31,"attrs":1534},{"href":1535,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://www.unbiased.com/discover/retirement/401k-rollover",{"type":129,"attrs":1537},{"color":826},{"type":828},{"text":942,"type":22,"marks":1540},[1541],{"type":129,"attrs":1542},{"color":773},{"type":778,"content":1544},[1545],{"type":18,"attrs":1546,"content":1547},{"textAlign":34},[1548,1554],{"text":1549,"type":22,"marks":1550},"Fewer investment choices: ",[1551,1553],{"type":129,"attrs":1552},{"color":773},{"type":38},{"text":1555,"type":22,"marks":1556},"What you can invest in with your 401(k) is limited to the plan choices selected by your employer.",[1557],{"type":129,"attrs":1558},{"color":773},{"type":764,"attrs":1560,"content":1561},{"level":1055,"textAlign":34},[1562],{"text":1563,"type":22},"Pros of IRA",{"type":775,"content":1565},[1566,1581,1595,1611],{"type":778,"content":1567},[1568],{"type":18,"attrs":1569,"content":1570},{"textAlign":34},[1571,1576],{"text":1449,"type":22,"marks":1572},[1573,1575],{"type":129,"attrs":1574},{"color":773},{"type":38},{"text":1577,"type":22,"marks":1578}," You can lower your taxable income now by contributing money to your IRA.",[1579],{"type":129,"attrs":1580},{"color":773},{"type":778,"content":1582},[1583],{"type":18,"attrs":1584,"content":1585},{"textAlign":34},[1586,1591],{"text":1481,"type":22,"marks":1587},[1588,1590],{"type":129,"attrs":1589},{"color":773},{"type":38},{"text":1487,"type":22,"marks":1592},[1593],{"type":129,"attrs":1594},{"color":773},{"type":778,"content":1596},[1597],{"type":18,"attrs":1598,"content":1599},{"textAlign":34},[1600,1606],{"text":1601,"type":22,"marks":1602},"More selection and control:",[1603,1605],{"type":129,"attrs":1604},{"color":773},{"type":38},{"text":1607,"type":22,"marks":1608}," Opening your own IRA offers you the opportunity to choose the provider and manage the investments and allocation, giving you more control over your portfolio. ",[1609],{"type":129,"attrs":1610},{"color":773},{"type":778,"content":1612},[1613],{"type":18,"attrs":1614,"content":1615},{"textAlign":34},[1616,1622],{"text":1617,"type":22,"marks":1618},"No income limit:",[1619,1621],{"type":129,"attrs":1620},{"color":773},{"type":38},{"text":1623,"type":22,"marks":1624}," You can contribute to an IRA no matter what income level you’re at. ",[1625],{"type":129,"attrs":1626},{"color":773},{"type":764,"attrs":1628,"content":1629},{"level":1055,"textAlign":34},[1630],{"text":1631,"type":22},"Cons of IRA",{"type":775,"content":1633},[1634,1650,1666],{"type":778,"content":1635},[1636],{"type":18,"attrs":1637,"content":1638},{"textAlign":34},[1639,1645],{"text":1640,"type":22,"marks":1641},"Lower contribution limit: ",[1642,1644],{"type":129,"attrs":1643},{"color":773},{"type":38},{"text":1646,"type":22,"marks":1647},"IRAs have a lower contribution limit than 401(k)s. ",[1648],{"type":129,"attrs":1649},{"color":773},{"type":778,"content":1651},[1652],{"type":18,"attrs":1653,"content":1654},{"textAlign":34},[1655,1661],{"text":1656,"type":22,"marks":1657},"No contributions from an employer:",[1658,1660],{"type":129,"attrs":1659},{"color":773},{"type":38},{"text":1662,"type":22,"marks":1663}," You won’t have matching funds from an employer in your IRA, as you may in a 401(k). ",[1664],{"type":129,"attrs":1665},{"color":773},{"type":778,"content":1667},[1668],{"type":18,"attrs":1669,"content":1670},{"textAlign":34},[1671,1677],{"text":1672,"type":22,"marks":1673},"IRA penalties:",[1674,1676],{"type":129,"attrs":1675},{"color":773},{"type":38},{"text":1678,"type":22,"marks":1679}," Like a 401(k), there is a 10% penalty on funds withdrawn before retirement age (with some exceptions).",[1680],{"type":129,"attrs":1681},{"color":773},{"type":764,"attrs":1683,"content":1684},{"level":766,"textAlign":34},[1685],{"text":1686,"type":22,"marks":1687},"Is an IRA better than a 401(k)?",[1688],{"type":129,"attrs":1689},{"color":773},{"type":18,"attrs":1691,"content":1692},{"textAlign":34},[1693],{"text":1694,"type":22,"marks":1695},"The better retirement account depends on your individual circumstances and needs. ",[1696],{"type":129,"attrs":1697},{"color":773},{"type":18,"attrs":1699,"content":1700},{"textAlign":34},[1701],{"text":1702,"type":22,"marks":1703},"Some of the key differences to help you decide which offers benefits to suit your needs better may include:",[1704],{"type":129,"attrs":1705},{"color":773},{"type":775,"content":1707},[1708,1718,1728,1738],{"type":778,"content":1709},[1710],{"type":18,"attrs":1711,"content":1712},{"textAlign":34},[1713],{"text":1714,"type":22,"marks":1715},"An IRA allows you more control and has more investment options. ",[1716],{"type":129,"attrs":1717},{"color":773},{"type":778,"content":1719},[1720],{"type":18,"attrs":1721,"content":1722},{"textAlign":34},[1723],{"text":1724,"type":22,"marks":1725},"A 401(k) has a higher contribution limit. ",[1726],{"type":129,"attrs":1727},{"color":773},{"type":778,"content":1729},[1730],{"type":18,"attrs":1731,"content":1732},{"textAlign":34},[1733],{"text":1734,"type":22,"marks":1735},"A 401(k) sponsored by your employer may come with matching funds. ",[1736],{"type":129,"attrs":1737},{"color":773},{"type":778,"content":1739},[1740],{"type":18,"attrs":1741,"content":1742},{"textAlign":34},[1743],{"text":1744,"type":22,"marks":1745},"Both an IRA and a 401(k) offer possible tax benefits when you contribute. ",[1746],{"type":129,"attrs":1747},{"color":773},{"type":764,"attrs":1749,"content":1750},{"level":766,"textAlign":34},[1751],{"text":1752,"type":22,"marks":1753},"Bottom line",[1754],{"type":129,"attrs":1755},{"color":773},{"type":18,"attrs":1757,"content":1758},{"textAlign":34},[1759],{"text":1760,"type":22,"marks":1761},"Professional financial advice can help you set up a strong retirement plan. With expert guidance, you’ll know what accounts, investments, and asset allocation would help set up your retirement portfolio. ",[1762],{"type":129,"attrs":1763},{"color":773},{"type":18,"attrs":1765,"content":1766},{"textAlign":34},[1767],{"text":1768,"type":22,"marks":1769},"Unbiased offers an easy way to find an expert financial advisor to help with all your questions. ",[1770],{"type":129,"attrs":1771},{"color":773},{"type":18,"attrs":1773,"content":1774},{"textAlign":34},[1775,1780,1787],{"text":1776,"type":22,"marks":1777},"Get connected to a financial advisor from ",[1778],{"type":129,"attrs":1779},{"color":773},{"text":819,"type":22,"marks":1781},[1782,1784,1786],{"type":31,"attrs":1783},{"href":823,"uuid":34,"anchor":34,"target":34,"linktype":36},{"type":129,"attrs":1785},{"color":826},{"type":828},{"text":1788,"type":22,"marks":1789}," today.",[1790],{"type":129,"attrs":1791},{"color":773},[1793],{"_uid":1794,"image":1795,"title":1800,"subtitle":12,"component":1818,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1796,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1797,"copyright":12,"fieldtype":1798,"meta_data":1799,"is_external_url":543},124451787524423,"https://a.storyblok.com/f/185166/6000x4000/b74db241b6/401-k-vs-ira-what-s-the-difference.jpg","asset",{},{"type":15,"content":1801},[1802],{"type":18,"attrs":1803,"content":1804},{"textAlign":34},[1805,1813],{"text":1806,"type":22,"marks":1807},"401(k) vs. IRA",[1808,1810],{"type":129,"attrs":1809},{"color":773},{"type":25,"attrs":1811},{"class":1812},"primary-gradient",{"text":1814,"type":22,"marks":1815},": which retirement account is right for you?",[1816],{"type":129,"attrs":1817},{"color":773},"app-hero",{"name":1820,"created_at":1821,"published_at":1822,"updated_at":1823,"id":1824,"uuid":1825,"content":1826,"slug":1837,"full_slug":1838,"sort_by_date":34,"position":1839,"tag_list":1840,"is_startpage":543,"parent_id":1841,"meta_data":34,"group_id":1842,"first_published_at":1843,"release_id":34,"lang":730,"path":34,"alternates":1844,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Alene Laney","2025-01-10T11:20:16.824Z","2025-07-31T11:31:28.400Z","2025-07-31T11:31:28.412Z",607140568,"fa11c784-d733-4cc0-a8ec-90a90154b805",{"job":1827,"_uid":1828,"name":1820,"image":1829,"component":1833,"education":1834,"expertise":1835,"description":1836},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1830,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1831,"copyright":12,"fieldtype":1798,"meta_data":1832,"is_external_url":543},19801386,"https://a.storyblok.com/f/185166/1986x1986/48279a1e44/alene-laney.jpg",{},"article-author","University of Utah, BA in English Literature & History ","Laney has more than 10 years of experience in media, including newsprint, public relations, marketing, and SEO content writing. \nHer work has been featured in national publications such as The Wall Street Journal, Fox Business, SoFi, Credible, and others.","Alene Laney is an award-winning journalist for Unbiased, where she breaks down financial topics related to retirement, investing, and banking. \n\nShe specializes in helping readers make the best decisions for their money with long-form content for brands and consumer publications.","alene-laney","authors/alene-laney",-20,[],224651374,"e2751bd8-55e4-46e9-94e4-ccce2929794c","2025-01-10T11:21:18.666Z",[],[1846],{"_uid":1847,"body":1848,"title":1872,"component":1873},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1849,1852,1856,1860,1864,1868],{"_uid":1850,"href":1851,"text":263,"component":542,"openInNewWindow":558},"63b1fca3-14cd-4bc7-845d-c451da7954d3","https://www.unbiased.com/discover/retirement-investing/what-is-a-401k-and-how-does-it-work",{"_uid":1853,"href":1854,"text":1855,"component":542,"openInNewWindow":558},"1bd46f4a-451f-471e-af4b-405840a39f86","https://www.unbiased.com/discover/retirement-investing/401k-interest-rate","401k interest rate",{"_uid":1857,"href":1858,"text":1859,"component":542,"openInNewWindow":558},"ecde6695-1789-4044-b5d1-7de7cd562743","https://www.unbiased.com/discover/retirement-investing/how-much-money-do-you-need-in-your-401k","How much money do you need in your 401k",{"_uid":1861,"href":1862,"text":1863,"component":542,"openInNewWindow":558},"459c6d3b-4ede-496f-829e-5c6673273996","https://www.unbiased.com/discover/retirement/roth-ira-contribution-limits-2023","What are Roth IRA contribution limits?",{"_uid":1865,"href":1866,"text":1867,"component":542,"openInNewWindow":558},"3eb7d13e-7247-4cad-a056-e48396278aac","https://www.unbiased.com/discover/retirement-investing/how-to-roll-over-your-401-k-to-ira","Rollover 401K to IRA",{"_uid":1869,"href":1870,"text":1871,"component":542,"openInNewWindow":558},"9455306b-50af-48d0-9254-5d13a0ac58b5","https://www.unbiased.com/discover/retirement-investing/buying-stocks","Retirement withdrawal","Related articles ","app-links-list",{"_uid":1875,"title":750,"plugin":1876,"og_image":12,"og_title":12,"description":1877,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"bb169742-262c-43fc-8d89-b52744cfbee0","seo_metatags","A 401(k) and an IRA are both tax-advantaged retirement accounts, but they have some differences that investors should be aware of. ",{"name":1879,"created_at":1880,"published_at":1881,"updated_at":1882,"id":1883,"uuid":1884,"content":1885,"slug":1893,"full_slug":1894,"sort_by_date":34,"position":1895,"tag_list":1896,"is_startpage":543,"parent_id":1841,"meta_data":34,"group_id":1897,"first_published_at":1898,"release_id":34,"lang":730,"path":34,"alternates":1899,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1886,"_uid":1828,"name":1879,"image":1887,"component":1833,"education":1890,"expertise":1891,"description":1892},"Senior Content Writer",{"id":1888,"alt":12,"name":12,"focus":12,"title":12,"filename":1889,"copyright":12,"fieldtype":1798,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],"app-article",[],[],"Choosing between a 401(k) and an IRA might come down to which one is available to you, but you could also look at which one benefits you the most. Here’s what you should know about the benefits and drawbacks of these two types of retirement accounts. ",[],"401k-vs-ira","discover/investing/401k-vs-ira",-1170,[],365491304,"f036eb87-e6d3-47d1-81d7-2d114b4687af",[],{"left":727,"top":727,"width":1913,"height":1913,"rotate":727,"vFlip":543,"hFlip":543,"body":1914},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1916,1919,1920],{"title":1917,"exact":558,"href":1918},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1921,"disabled":558},"/discover/investing/401k-vs-ira",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1923},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1779096870382]