Please read!!
Hi everyone! I logged into my retirement dashboard because I was curious about what I have set up and where. My originally elections were made when I first began and was living paycheck to paycheck. My employer does not match 401k contributions. Right now I'm contributing about 4% and am investing in a large blend portfolio with a 21% rate of return. I recently found through my retirement platform I am also invested Employee Roth 401k Deferral. 85% is 401k and 15% is Employee Roth 401k deferral. What should I be doing instead? Should I have a Roth IRA in addition to these?
Should my money solely be going to a Roth IRA? What is the best platform to use? My bank does not directly work with a Fidelity etc.
TL;DR: Financial planning, 401k vs Employee Roth 401k Deferral vs Roth IRA- employer doesn't match? Proper steps to take and invest where?