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A well chosen Roth IRA will almost certainly outperform the pension fund, which will be invested in conservative bonds or similar insurance company investments. Of course, your company is responsible for making up any missing funds to make sure you get your promised benefits. This can be comforting. The pension fund will build cash value and you will be able to transfer those funds to an IRA account when you change employers.

Its a toss up. You will have to decide for yourself. If you are comfortable with investments, I would go for the Roth. But better would be to fund both if you can.

Best of luck to you.
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