<prompt> Human: I have a Roth 401k and am currently contributing above my employers matching limit. I could afford to contribute even more. I recently met with a financial advisor who advised that I continue to pour all my investments into my Roth 401k through my employer. I gather that the standard rpersonalfinance advice, after maxing your employers 401k match, is to open an IRA Roth or not, depending on circumstances. What are the arguments foragainst either course of action? Why does rpersonalfinance recommend opening an IRA in this situation?  <response>: The main reasons are that IRAs in general have more investment options and occasionally lower fees than your average 401k. You also have the ability to take the money back out of an IRA if needed with less ramifications than a 401k. 