conversation: User (NigelThornberry32): "I am currently maxing the company match for my Roth 401k, should I invest more in that or start a Roth IRA?"
  Self: "If your 401k's fund fee's (total) are less than 0.03% and their returns are higher (meaning they're doing a pass through to the institutional class of funds) then yes the 401k is better than an individual IRA from Vanguard, Fidelity, or Schwab.   \n\nFor many people especially working in small businesses and not the Fortune 500, the company wide 401k plans are not tens of millions of dollars and the company cannot get the institutional class funds so we say, the personal IRA is a better choice.  If you are working for a Fortune 500 or even Fortune 1800 for that matter, your 401k program is invested in the institutional class funds and their fee's are usually 0.03% or less; sometimes a lot less.   \n\nIt pays to look at the fee's the funds charge.  Its a great idea to have a personal IRA too.   \n\nBest of Luck. :) "
  