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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.
1 Higher contribution limits are permitted with a Roth Individual 401k than a Roth IRA. 2  For 2015 participants can contribute up to $18,000 to a Roth 401k ($24,000 if age 50 or older), but they can only contribute $5,500 ($6,500 if age 50 or older) into a Roth IRA.