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Author: foolme1111 Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76418  
Subject: Re: 403b vs. captal gains Date: 6/1/2000 11:36 AM
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If you expect your taxes to be lower in retirement, the 403(b) makes sense, particularly if you need the tax deduction now. Otherwise, it's hard to make a case against the Roth IRA. If your taxes are low now, then a taxable account is probably better than a 403(b).
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The only drawback to a Roth IRA is the $2,000 max annual contribution. Once you have reached that threshold, you are probably best off with your 403b, as long as you can avoid buying annuities.
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