Roth IRA

A Roth IRA is a retirement account. Once you fund the account, you still have to choose an investment, whether you buy individual stocks, an index fund, bonds, shares in a real estate investment trust, or just leave it in cash. With a Roth IRA, you're dealing with after-tax cash. The nice thing about the Roth IRA is that the cash grows tax-free forever, there are some estate-planning benefits, and you can use the cash to pay for medical bills and tuition before you turn 59 1/2. Learn more here about Roth IRAs.

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Employer Limits 401(k) Contributions

Employers are allowed to set their own limits on how much you can contribute to a 401(k). Even though the limit for 401(k) accounts has increased, you may not be able to contribute that much in an employer-sponsored 401(k) plan. A Roth IRA might be a way to build retirement funds outside of your 401(k).

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