What kind of retirement fund is it? A 401(k)? A Roth 401(k)? Retirements accounts have a hierarchy. Roth 401(k) is best, then 401(k) with match, then Roth IRA, then 401(k) without match, then IRA. So it depends on what account you already have. If it’s a 401(k) without match at the moment, I’d switch to a Roth IRA and then switch back to the 401(k) once the match starts up again.