Do the compounding interest math taking taxation into effect. Putting that money in an index fund in a Roth IRA is going to be way better from a tax perspective than day-trading bitcoin with it.Correct.
But considering the two options does it really make any sense to contribute?
Option A is a fixed annuity at 3% with a 0.40% total fee.
Option B is an indexed variable rate annuity with the same fee.
If choosing option A, that's a 5.2% return when the employer match is factored in. Seems like a horrible strategy for someone my age.
Not sure why anyone would choose Option B when you could just invest index funds.
Doubling your principle is pretty dank; shame the investment vehicle options suck balls.