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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.
You can choose to complement your 403(b) investment with a traditional IRA, a Roth IRA or a combination of the two. If you choose a traditional IRA, you get an up front break on your taxes, but you will have to pay income taxes at prevailing rates when you retire.ontribution Limits. Your 403(b) plan and IRA have different contribution limits. That means you can contribute to both a 403(b) plan and an IRA if both are available to you.