re: Let’s see those 2020 401k returns

17.1%

My company gives us very limited options. 1 large cap, mid cap, small cap, emerging markets, international, etc. You get the idea. The other choices are target date blend funds. I set my own and out performed all the target ones. It sucks, but nothing I can do about it but do some post tax investing in my brokerage account.

I did increase my withholdings for 2021 from 6% to 12%. My company matches 6% and gives an additional 6%, so that puts me at 24% this year. Only 18 more years of servitude left.