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  • Writer's pictureNathalie Edeen

IRA or 401(K): Which One Is Better for Me?

Updated: May 24, 2022

If you read my blog post last week, I mentioned how saving for retirement early on is important to ensure a financially stable post-career life. So, let’s elaborate on that. When planning for retirement, you might ask, “IRA or 401(k): which one is better for me?

Let’s try to break down the pros and cons of each one and see if you can figure out what might be the best plan for you moving forward!


Now, it’s important to remember that just because something has more pros than cons doesn’t make it better. Make sure you choose one that’s best suited for your situation. And remember, if you need any help or have any questions, reach out to me here! I’d be more than happy to help.



Investing involves risk, including loss of value. Withdrawals from IRA before age 59 ½ are generally subject to ordinary income tax and a 10% penalty tax. In-service withdrawals from qualified plans are subject to eligibility requirements and may be subject to additional restrictions, costs, or tax implications not outlined here.

Registered Representative of, and securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 600 Dresher Rd Horsham PA 19044. (800) 225-7637. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company. Caserta & de Jongh, LLC is unaffiliated with HTK, LLC. HTK does not provide legal or tax advice.


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