Understanding the Roth Rules: Tips and Strategies for Achieving Financial Security If you're confused about which type of retirement account to choose, here's the quick and easy (and probably smartest) strategy: Put your money in a Roth IRA. Compared with an employer-sponsored retirement account — such as a 401(k) or 403(b) — or a traditional IRA, the Roth is by far more flexible and likely will lead to more money in retirement. (47 views)