<prompt> Human: I am moving to a new company with a different 401k match than I had before.They match 50 of the first 4, which vests 20 per year.I am not sure I intend to stay with this company more than 3 years.4 of my salary would be 3400. The first year, my match would only be 340.Would I be better off contributing the full amount to a Roth IRA instead? Yes, I wouldnt be contributing pretax, but the savings on taxes later might offset the mediocre match. Alternatively, I have an HSA through the same company-- would I be better off contributing to the HSA to the max, and whatever else to the poorly matched 401k?  <response>: Even with the 20year vesting of the 50 match of 4 you are seeing an instant 10year 5020 on your investment. I would put the 4 in the 401k to get the match then invest the remainder in the IRA until maxed out. 