ThrillSeekingDoggo t1_iuao3cv wrote
Reply to comment by financelg in So apparently I-Bonds are a bust for this fledgeling investor. Are stock dividends the way to go? by financelg
You should 110% have an IRA, either Traditional or Roth, that you invest in on your own and outside of your employment based investments (401k or HSA etc).
An IRA will have similarly valued tax advantages (the same in the case of a tIRA) to a 401k while almost universally having lower fees than a 401k.
The best allocation is to max a 401k up to the match from your employer, max an HSA if you have one, and then fully fund your flavor of IRA. Only then does it makes sense to max your 401k, and this is due to fees (mostly).
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