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My employer offers a Vanguard based 403b plan, but does not offer any matching contributions. Is there any reason to use the 403b rather than an IRA of my own? I have a Vanguard Roth IRA into which I make regular transfers. I use a Vanguard traditional IRA at tax time if I need to stash away some money to lower the bill. Are there advantges to the 403b?
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