... Saving towards your retirement is an easy way of guaranteeing your future. The only difficult part is deciding which type of instrument to invest in. For most people, the choice boils down to IRA vs 401K. Each of these choices has their own advantages and disadvantages. It will be up to you to make the decision in the end. For most people, 401K is the obvious choice as it is usually already being offered by your employer. Even if you are only putting in a minimum amount, this can go a long way towards a bigger fund in your future. At the very least ... can also count as disability payments. One advantage that IRAs have is that they have more investment choices than their 401K counterparts. This makes it easier to find a more advantageous growth option. They also allow you to open and close these positions relatively more easily, compared to the former which only allows changes every six months. Remember that in either case, it is your money that is being investment. If you need any more help, you can look up the past performance of IRA vs 401K accounts across the country. These should help give you a more objective view of your retirement options.
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