| Roth IRA | Traditional IRA | 401(k)/403(b) |
Contributions | After-tax | Pre-tax | Pre-tax |
Withdrawals | Tax-free | Taxable | Taxable |
Limits | $6,000 for 2019 (If you're 50+, you can contribute an additional $1,000) | $6,000 for 2019 (If you're 50+, you can contribute an additional $1,000) | $19,000 for 2019 (If you're 50+, you can contribute an additional $6,000) |
Age you can start distributions | Any* | 59 ½ | 59 ½ |
Required minimum distribution age | None | 70 ½ | 70 ½ |
Account is controlled by | You | You | Your employer |