Re: Scared of Retirement vehicles/ want to save other ways?
Our roth iras are in mutual index funds. If I were you, I'd stick with the 401K, then max out the roths. If you get to a point with a lot to invest there are always variable annuities that are tax free, but these come with really really high fees. Make sure you understand what you are doing if you get into annuities, they can be very complicated and sales people make high commissions on them...therefore its usually a high pressure sale pitch for you.
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