I don't like the 401K option at my job, and there are no matching employer funds to incentivize it, so I was wondering if there are rules against contributing to both roth and traditional iras?That would let me save $10000 annually for retirement, a number I'd be happy with.Sorry, it doesn't work that way. While you are allowed to contribute to both a Roth and a Traditional IRA in the same year, the total of contributions to all IRAs for a single year is limited to $5,000 ($6,000 if 50 or older). See IRS Pub 590 for details.Otherwise I'll have to put some into the 401K and pay 2% annual expense ratios for some mutual funds I'm not very interested in.No you don't. What's wrong with putting retirement money into a taxable account? Not all 'retirement' funds have to be in a 401(k) or an IRA. In fact, from a tax perspective, it can be better if you have a mixture of income sources in retirement, in order to be able to structure your income to limit the amount of income taxes you have to pay when you are retired.AJ
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