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Slash Invest.

You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building wealth, and outrageous generosity.

Gina is in Sacramento. Gina, welcome to the show.

Thank you for taking my call.

I have a quick question on investing.

I'm on baby steps four and six, and I've always heard that you should contribute to your company retirement plan to get the match.

But what about when the rate of return is really low, and I'm having better returns in my Roth IRA?

Should I just max that out instead?

I don't see it as an either or.

And so if you look at our investing strategy, it's five words.

Math beats Roth beats traditional.

And so what is your match with your employer?

So if I contribute four percent, they will contribute two percent, and that's the maximum.

Okay, great. So we're going to take that first, because that's a 100 percent return.

So regardless of what the fund is that you're invested in, you just doubled your money instantly, right?

But so at least 50 percent.

Should I pay attention to what the annualized rate is of return or the cumulative?

The annualized is what you're looking for.

And you want to look at this over a long period of time.

So I wouldn't be looking one year in four years.

And for the past four years, my annualized rate of return is 1.55 percent.

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