避税投资的选择顺序。

个人认为是这样的：

Roth IRA ＞

Roth 401K>

HSA>

matched pre tax401K>

529 plan with state tax benefits ＞

unmatched pretax 401K>

529 plan without state tax benefit >

unqualified retirement plan such as 457 b, 457 f 等等。

以上选择：以Roth IRA 和 Roth 401 K为最好。