<prompt> Human: If the company your working for doesnt offer matching for what you put into your retirement fund, is there any reason to put into it at all? Assuming the company doesnt offer the best choice of mutual funds wouldnt it be better to just put what wouldve gone to the company fund, into my own personal retirement fund like a vanguard or blackrock account?  <response>: Yes. For many people, the 5.5k contribution limit for IRAs isnt up to the 15 minimum recommended retirement amount. 