Are IRAs and 401(k)s basically the same? It’s a common myth—and one we hear all the time from retirement plan participants. In this video, Senior Advisor Brad Jacobs break down the key similarities and differences between an IRA and a 401(k), including:
- How both accounts offer tax-deferred growth
- The role your employer plays in a 401(k) vs. an individual IRA
- Contribution limits and why they matter
- Employer matching and profit-sharing opportunities
- Investment flexibility inside an IRA vs. a 401(k)
- Rules around accessing your money while you’re still working
Understanding how these accounts work—and how they don’t—can make a meaningful difference in how you save for retirement. Whether you’re early in your career or re-evaluating your strategy, this quick overview will help clarify which account features may work best for you.
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