re: 401k with 4% Company match?

3 to 5 is standard, in whatever combination.

Federal employees, for example, get 1% gratis, 3% is matched dollar for dollar, and an additional 2% is matched 50 cents on the dollar, so 5 gets you 10.

Some private plans have a similar structure to encourage saving - bottom line, don't leave money on the table - so if 4% buys you 8%, spend the 4% - I would avoid "overcontributing" because in most cases, you want to go ROTH unless you're at your peak income (typically last 5 to 8 working years), and fund it with post-tax dollars.

But, 4 gets you 8 isn't a bad deal at all.