Which account to put your money for retirement?

This tool helps answer :

Should I contribute more to 401k and IRA after my employer's maximum match is reached? What if my investment in trading account can achieve higher returns and have more flexibility and liquidity to withdraw than in 401k and IRA?
Is it better to contribute to pre-tax or after-tax (Roth IRA) retirement account? Check the difference between Plan A and Plan B below.

Contribution Plan
I am
Tax filing status:
Current retirement fund	(pre-taxed)
Pretax salary	/ year
Self-contribution	of pretax salary
Employer's contribution	(max matched)
Total base 401k contribution
More contribution allowed:	in 401K
	in all IRAs
After max match, contributing	more
I will contribute for	years from now
Then, withdraw for	years
Federal income tax rate	(highest bracket)
State income tax rate

Outcome	Base 401k	Plan A	Plan B	Plan C
$ contribution flows into		401k & IRA	Roth IRA	Trading account
Contribution amount / year	pre-tax	pre-tax	post-tax	post-tax
Future contribution
Annual investment yield
Account balance years out
Post-retirement yield
Pre-tax annual withdrawal
		Base + Plan A	Base + Plan B	Base + Plan C
Pre-tax annual withdrawal
Income taxable
Income tax rate (Federal + State)
Capital gain taxable
Capital gain tax rate (Federal + State)
Total tax payable
Post-tax annual withdrawal