<prompt> Human: My company did not traditionally have a 401k, so I have been contributing the max 5,500 to a traditional IRA for the past 2 years. A few months ago they started a 401k program with some terms that ive never seen before. They just contribute an amount equal to 3 of your salary - regardless of what you contribute. No match, etc. So im getting this 3 for free. There is a 5yr graduated vesting schedule on employer contributions, however.What should I do? Switch my contribution to the 401k? Contribute to both? Leave things as they are?Not sure what the tax implications are, etc.  <response>: Max out your IRA, and if you have anything left over, contribute to 401k. You will likely have better fund choices in your IRA. 