Hey @Account Closed,
I recently faced the same problem and here is what I've decided to do and why:
I believe although you should have a primary investment vehicle you are spending most of your time and money on, you should still diversify slightly and prepare for a rainy day/the future.
I set up a 401K-match program my own corporation offers to employees (including to myself)
I make automatic contributions from the paychecks my corporation pays me into the 401K account my corp has set up. I make these after-tax contributions and those contributions are matched by my corp which ends up being a write off at the end of the year as well.
I make these after-tax contributions for a couple reasons:
For regular 401K programs, the maximum contribution limit is $5,500 annually for those under 50 or $6,500 for those 50 or older. Moreover, if the employee's income exceeds certain limits, then Roth IRA contribution might not be possible at all.
An alternative is if the employer wants to provide a Roth-style alternative to a Roth IRA, then one option is to offer a Roth account within its 401(k) plan (which is what I have done). These accounts use after-tax dollars in the same way a Roth IRA does, and withdrawals from the account are tax-free.
This route allows me to diversify, prepare for the future a small piece at a time, reach my tax efficiency goals, and lower the taxes my corp pays.
Hope that helps!
