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Roth IRA Vs. 403B. Roth IRAs and 403(b) plans are good ways to save for retirement. A Roth IRA and a 403(b) are two different types of retirement plans. Almost anyone can contribute to a Roth IRA. 403(b) plans are only available to employees of public schools and certain other tax exempt organizations.ree Money. Some employers match the 403(b) contributions made by their employees -- getting an employer match is like receiving a tax free bonus. You put in some money, and they match your contribution up to a certain percentage or dollar amount.
Roth IRA. Anyone with earned wages may contribute to a Roth IRA, and there is no mandate requiring the contributor or his or her spouse to make RMDs. Traditional 401(k). Regardless of age, if you are still working you can continue to contribute to a 401(k) .oth 401(k). Regardless of age, if you are still working you can contribute the full amount of your salary deferral to a Roth 401(k) . Like the traditional 401(k), RMDs are required once you separate from service or if you own more than 5% of the business that employs you.