Currently, I contribute all of my retirement contributions via my employer’s 401(k) plan. I don’t quite max it out yet, though I’m working toward that goal. However, I’m giving serious consideration to ceasing contributions, and instead contributing to my Roth IRA instead. Here are a few considerations:
Right now, my employer doesn’t match anything, so there’s no discernable benefit to contributing even a penny to that plan as far as that goes. They did a nice match for awhile, but cut it at the height of the recession, and all signs point to a continuation of the ‘no match’ policy.