Why is it?

[Raybyrnes]

threadkiller
I am missing why your employer match has anything to do with why you contribute to the 401K. The employer match is gravy . the real benefit is tax deferred growth.

I can understand looking to first fund your roth and then looking to fund the 401K. But what are your going to do once you’ve exhausted your Roth limit.

If you have the tax advantage on the 401K you are going to have a tough time outperforming in a brokerage account.

[bob2007]

UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.

[bob2007]

UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.

[bob2007]

UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.

[bob2007]

UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.

[bob2007]

UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.

[UCGal]

[quote=bob2007]UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.[/quote]

That’s what I’m hoping. We’ve been having a few down years after a few boom years… Benefits overall have taken a huge beating in the last 2-3 years… Yes, I’m happy to still have a job that pays well and I enjoy… that last part is HUGE.

[UCGal]

[quote=bob2007]UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.[/quote]

That’s what I’m hoping. We’ve been having a few down years after a few boom years… Benefits overall have taken a huge beating in the last 2-3 years… Yes, I’m happy to still have a job that pays well and I enjoy… that last part is HUGE.

[UCGal]

[quote=bob2007]UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.[/quote]

That’s what I’m hoping. We’ve been having a few down years after a few boom years… Benefits overall have taken a huge beating in the last 2-3 years… Yes, I’m happy to still have a job that pays well and I enjoy… that last part is HUGE.

[UCGal]

[quote=bob2007]UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.[/quote]

That’s what I’m hoping. We’ve been having a few down years after a few boom years… Benefits overall have taken a huge beating in the last 2-3 years… Yes, I’m happy to still have a job that pays well and I enjoy… that last part is HUGE.

[UCGal]

[quote=bob2007]UCgal,

Is there any possibility that your “crappy employer” is having a down year, and the matching was stopped to save a job or two? At least you are still employed.[/quote]

That’s what I’m hoping. We’ve been having a few down years after a few boom years… Benefits overall have taken a huge beating in the last 2-3 years… Yes, I’m happy to still have a job that pays well and I enjoy… that last part is HUGE.

[nocommonsense]

[quote=flu]
I think in several plans, you’ll get eaten alive by the fees/trading costs if your plans allows a self directed stock trading plan.”.[/quote]

Actually, my plan doesn’t have any fees for this brokerage link. I specifically called Fidelity and asked them about fees and was told there wasn’t any. I looked for them in the statements and didn’t see them either. Funny that I remember seeing a disclosed $25 per quater fee on the documents when I signed up. I’m not seeing this fee anywhere. Regardless, I think it’s safe to say that in my case the fee is minimal if any.

[nocommonsense]

[quote=flu]
I think in several plans, you’ll get eaten alive by the fees/trading costs if your plans allows a self directed stock trading plan.”.[/quote]

Actually, my plan doesn’t have any fees for this brokerage link. I specifically called Fidelity and asked them about fees and was told there wasn’t any. I looked for them in the statements and didn’t see them either. Funny that I remember seeing a disclosed $25 per quater fee on the documents when I signed up. I’m not seeing this fee anywhere. Regardless, I think it’s safe to say that in my case the fee is minimal if any.

[nocommonsense]

[quote=flu]
I think in several plans, you’ll get eaten alive by the fees/trading costs if your plans allows a self directed stock trading plan.”.[/quote]

Actually, my plan doesn’t have any fees for this brokerage link. I specifically called Fidelity and asked them about fees and was told there wasn’t any. I looked for them in the statements and didn’t see them either. Funny that I remember seeing a disclosed $25 per quater fee on the documents when I signed up. I’m not seeing this fee anywhere. Regardless, I think it’s safe to say that in my case the fee is minimal if any.

[nocommonsense]

[quote=flu]
I think in several plans, you’ll get eaten alive by the fees/trading costs if your plans allows a self directed stock trading plan.”.[/quote]

Actually, my plan doesn’t have any fees for this brokerage link. I specifically called Fidelity and asked them about fees and was told there wasn’t any. I looked for them in the statements and didn’t see them either. Funny that I remember seeing a disclosed $25 per quater fee on the documents when I signed up. I’m not seeing this fee anywhere. Regardless, I think it’s safe to say that in my case the fee is minimal if any.

[Author]

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