2. Open an IRA
It's great if you can save more than what's needed to get the maximum company match in your employer plan.
Opening an IRA for your additional savings will give you a chance to shop around. You can hold many types of investments in an IRA, including any mutual fund, ETF, stock, or bond—many of which might cost less than those offered through your employer plan.
And you can use a Roth IRA to save money that won't be subject to taxes in retirement—an option that isn't available in many employer plans.
The annual contribution limit for IRAs is $6,000 for most people, although it depends on your income. (If you're age 50 or over, you can contribute up to $7,000.)
Find out more about IRAs