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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.
Should she contribute to the Roth 401(k) or stick with the traditional 401(k)? She should definitely consider making Roth 401(k) contributions if most of your retirement savings is tax-deferred â say, in a 401(k) or traditional IRA.Contributing some money to a Roth 401(k) helps diversify your tax situation.ou can each contribute up to $18,000 to any kind of 401(k) -- a Roth 401(k), a traditional 401(k) or a combination of the two --in 2015 (or $24,000 if youâre 50 or older this year).