So I’ve been wondering if the 401(k) past the employer match is actually worth it compared to just going straight to a taxable brokerage. My plan is match → max Roth → then I’m not sure. I know the tax-deferred growth is the main argument but between the limited fund options and higher expense ratios I’m not convinced it beats the flexibility of just investing in a taxable account. No HSA option for me either so it’s basically Roth vs 401(k) vs taxable after the match. What do you guys actually do?
Is the 401(k) actually worth contributing to beyond the employer match, or should I just put everything into a taxable brokerage?
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Posted by SnooBooks3187