other tax sheltered accounts

[frugal_engineer]

I've recently switched employers and no longer have access to a 401k for retirement contributions.  My new employer has an SEP-IRA setup where they contribute 7.5% of salary straight up, however I cannot contribute to the account.  I already fully fund my Roth IRA each year.  So, the money I'd normally have put in the 401k needs to go somewhere.

Are there any other tax sheltered avenues beyond the IRA that mustachians know of?  Id love not just throwing it straight into taxable accounts.

[matchewed]

HSA's, and depending on the rules your employer has you may still be able to contribute to an IRA. http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-regarding-SEPs-Contributions.

Other than that you don't have any other options that I know of.

[aj_yooper]

HSA and maybe the regular IRA as Mattchewed indicates.  The 7.5% is nice though. 

The Vanguard posting on SEPs indicates that:

"Participants   All SEP contributions are made by the employer. Their employees can contribute to personal IRA accounts.

Employer contributions   For 2013, up to 25% of the participant's compensation or $51,000, whichever is less.* Deductible as a business expense and not required every year.

Employee contributions   For 2013, a personal contribution limit of up to $5,500 (or $6,500 if age 50 or older) into an individual SEP, traditional, or Roth IRA."  https://investor.vanguard.com/what-we-offer/small-business/sep-ira

I don't know if this is possible, but could you talk your employer into paying you less and putting more in the SEP?  That could be very productive for you. 

If not, this is a good time to learn about taxable accounts.  And, did you transfer your old 401k to a holding place, like Vanguard?

[frugal_engineer]

I don't know if this is possible, but could you talk your employer into paying you less and putting more in the SEP?  That could be very productive for you. 

If not, this is a good time to learn about taxable accounts.  And, did you transfer your old 401k to a holding place, like Vanguard?

Although nice, asking for more into the account wouldn't be possible, the SEP-IRA rules indicate that the employer must do the same % for all employees.

I think ill be leaving my 401k where it is.  They switched to Fidelity last year and I put thing in funds with roughly comparable expense ratios to my vanguard accounts so I don't see the gain in moving it, especially if I roll it to my roth ira and have to pay the income tax on it.  That might bump me into a new bracket if I understand the tax rules properly so Id like to avoid that.

Taxable it is I suppose, oh well, cost of doing business.

[aj_yooper]

You can roll the 401k to a Rollover IRA and pay no taxes.  Vanguard can do it for you, no sweat.  No need to put it in a Roth at this time, right?