| Characteristic | BeetFinance | 401(k) | IRA | Roth IRA |
|---|---|---|---|---|
| Restrictions on vesting schedules | NO | YES | YES | YES |
| Contribution limits | NO | YES | YES | YES |
| Restrictions or penalties for withdrawal | NO | YES | YES | YES |
| Employee discrimination rules | NO | YES | - | - |
| Annual reporting to the IRS or other governing body | NO | YES | YES | YES |
| Limitations on investment options | NO | YES | YES | YES |
| High cost of commissions and fees | NO | YES | YES | YES |
| Country agnostic | YES | NO | NO | NO |