<prompt> Human: My wifes company does not match her 401k contributions. As far as I can tell, its just an investment strategy its providing. Is there an advantage to contributing to her companys 401k versus just depositing into a traditional IRA and investing in a vanguard target fund?  <response>: Biggest benefit would be the contribution limits on the 401K. If the 401K is decent you might consider it, a long with a Roth IRA. 