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Deciding between 401(k) and IRA investments depends on individual needs. Vanguard, a leading provider, offers index funds for both. While Vanguard recently exited the Solo 401(k) market, its 401(k) and IRA options still offer low-cost investing. However, concerns about Vanguard selling retirement plan data should be researched before investing. Investors may consider both 401(k) and IRA for diversification.

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