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With IRAs, you can choose the custodian and invest in what you want that way. What things are you forbidden to invest in IRAs ?

With 401k you are usually restricted to employer-selected funds. However, I have never seen a 401k that didn't have a money market fund, which, while not cash, is close.

Some employers also offer self-directed brokerage options within 401k, if you don't like the employer's choice of funds. Or you can buy stocks and options. You will pay commissions on trades, however.

Regarding tax changes, it's hard to imagine that the IRA/401k could ever end up being taxed more than after-tax investments accounts are today.

I have to admit that I don't worry about 401k and IRA RMD since there is little chance that I will live past 70.
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