No 401K offered, what do people recommend for retirement

[Anonymous]

DH works for an early phase start up, making $125K + bonus. They don't have a 401k set up. Are IRAs his only tax advantaged options?

[Anonymous]

I believe so, and there are income phase-outs: http://taxes.about.com/od/deductionscredits/qt/traditional_ira.htm

so if you work and/or you both have some other source of income, you could be ineligible for the tax benefits.

[Anonymous]

The income limit on a traditional IRA does not apply if neither DH nor you have access to a work-sponsored retirement plan. If you do, your DH is in a bit of a bind, but you could fully fund yours and then use a different investment vehicle for DH.

[Anonymous]

you can put your bond allocation into ibonds (or even ee bonds, which have a guaranteed interest rate of 3.4% or so if you are will to hold them 20 years).

[Anonymous]

annuities or cash value life insurance would secure your retirement in the absence of a 401k.

[Anonymous]

cash value life insurance would be horrible. just get an IRA, self funded, using low fee index funds or retirement year funds (i.e, 2040)