Making up your employer’s match

Question: My company currently matches my 401(k) contributions dollar-for-dollar up to 5% of salary. But starting in January my employer plans to do away with the match due to the poor economic conditions. I’m still early in my career and don’t want to cut back on my retirement savings, so I plan on picking up the slack. I wonder, though, whether I should contribute an additional 5% of salary to my 401(k) or put the additional savings into a Roth IRA. What do you think? –Wes, Conshohocken, Pennsylvania

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