课程: Financial Basics Everyone Should Know

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Choosing between 401(k) and 403(b)

Choosing between 401(k) and 403(b)

课程: Financial Basics Everyone Should Know

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Choosing between 401(k) and 403(b)

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- [Instructor] You might have heard about different types of tax-deferred investments without even knowing it. The two popular ones are 403bs and 401ks, but you need to know the high-level opportunities before you can invest in one. To begin with, tax-deferred investments are almost always a good option if your employer offers it. It's like a free raise. What I mean by tax-deferred investing is investing tax-free, but paying taxes when you withdraw, plus a penalty if you withdraw early. Withdrawals of gains on your investments prior to age 59 and a half, typically subject to you to a 10% penalty tax in addition to the regular taxes owed. This penalty is to discourage you from withdrawing early. The IRS allows you to grow your funds tax-deferred as an investment to encourage you to save for retirement, so they penalize you if you want to use the funds before you retire. I mentioned a moment ago, there are two major types of tax-deferred investments, 403bs and 401ks. Let's start with…

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