401K，traditional IRA, Roth IRA 是三个不同的instrument， 对吗？ 我现在收入不高，税率不高，是否现在存Roth IRA， 现在交税，比以后交税要划算呢？
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401K: Only companies can do that, you contribute a percentage of salary, they have some mutual fund to buy. Traditional 401k is tax deductible, but pay tax when you withdraw after retire. There is an Roth option, meaning paying tax when you contribute, but tax-free when you withdraw. Annual limit is about $15K. You can transfer this to an IRA after you leave the company.

IRA: individual retirement account. You have to do it yourself. Only $5000/year. Again traditional and Roth: before and after tax contribution, taxable and tax-free withdraw.

Personally, I like Roth option for both 401K and IRA, if possible, simply because it's tax-free at withdraw. Imagine that you can get annually $50K from Roth IRA after retirement, tax-free.

Hope this helps.
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