re: For those that pay into a 401k at your work..

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i did a little digging and found out its like $2500 i paid in 1 year.

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401k investments are capped at $23k for most, so they are trimming over 10% from you every year. That’s a heck of a lot more than a few dollars. There is no way they are beating the general market by 10% if they are working at a brokerage handling 401k advisement (even the best hedge funds are not going to keep up that pace year after year). I’d put it in a broad based market fund until I had time to find out if I wanted something more specific.