IRA vs. 401 (k): What's the difference? - Fidelity Investments
Aug 27, 2025 · While anyone can open an IRA, you can only open a 401 (k) if your employer offers one. 401 (k)s have higher annual contribution limits than IRAs. Many 401 (k) plans offer an employer …
401(k) vs. IRA: What’s the Difference? - Investopedia
Nov 17, 2025 · In general, it offers more investment options than a 401 (k), but contribution limits are much lower. 7 You can't contribute more than $7,500 to an IRA in 2026 or $7,000 for 2025, unless...
IRA vs. 401(k): Which is better? - NerdWallet
Oct 30, 2025 · Which account to prioritize depends on a few factors, starting with the differences between the accounts, and then your budget and financial priorities. 401 (k) plan. Offered through an...
IRA Versus 401 (k): Which Is Better? | Retirement | U.S. News
Aug 12, 2025 · IRAs have lower contribution limits but allow broader investment options and certain penalty-free early withdrawals for specific life expenses. Both 401 (k)s and IRAs have traditional and...
401(k) vs. IRA: Which Is Better for You? - The Motley Fool
Nov 24, 2025 · 401 (k)s generally allow higher contributions but offer fewer investment options, whereas IRAs have lower contribution limits -- and income caps for high earners -- but offer the opportunity...
IRA vs. 401 (k): Benefits and differences - Prudential Financial
Jan 1, 2025 · IRA vs. 401 (k): What's The Difference and Which is Better For You? IRA and 401 (k) accounts let you save for retirement with tax benefits. Employers may match your contributions but …
IRA vs. 401(k): Which retirement plan is better? - Bankrate
May 22, 2025 · Below are the key ways in which a 401 (k) and an IRA differ, including which one may be a better fit for your personal retirement situation. What is an IRA? An IRA is an individual...
What's the Difference Between an IRA and 401k | Citizens
IRAs and 401 (k)s are retirement accounts with tax benefits to help people save more for their future. The most crucial difference between an IRA and a 401 (k) is that a 401 (k) is a workplace retirement …
IRA vs 401 (k): What Is the Difference? - SoFi
Dec 3, 2025 · • IRAs are typically opened by individuals, while 401 (k)s are offered by employers to their employees. • IRAs offer more investment options and flexibility, while 401 (k)s may have employer …
401(k) vs IRA | Overview, Comparison, Benefits, and Drawbacks
Jan 14, 2025 · 401 (k) plans and IRAs are both retirement savings accounts that offer tax benefits, but there are some key differences between the two. The IRS sets annual contribution limits for both 401 …