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I'm asking the group here to make sure I'm not missing something in a blind spot or something.

At my second job, I'm contributing 10% of my pay into the 401K. The company matches dollar-for-dollar, but only up to 4% of what I kick in. The other 6% is just gravy. I'm nowhere near the $5500 annual maximum contribution or whatever the latest figure is. I'm happy with the investment choices on offer there--a variety of low-cost index funds.

On the other hand, I've got a Roth IRA that I put money into when I get a little extra here and there, and I manage that fund myself, buying stocks of companies that grow dividends.

Should I be channeling that extra 6% into my Roth IRA instead of the 401K? Is there any tax advantage? Or is this a six-of-one-half-dozen-of-the-other thing?

Thank you.
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