Fewer and fewer companies match funds, so this is quickly becoming a moot point. Without matching funds, a Roth is the way to go, pays better with less fees.

If you have a 401, check out how much they jack you for in fees every year.

Yea. The person who set up my 401k decided that the funds I put money into weren't relevant.

I randomly looked at it and discovered that 100% of my contributions were going into a small cap equity fund.

I was not a happy monkey.

Now I check it weekly.