It is difficult to really advise without knowing your current tax situation and your future tax rate at retirement. Also, we don’t know how much you are planning to contribute.
I recently read (on another financial board) about a Dad that regretted recommending his DD contribute to a 401k to get the match. He discovered that contributions and match money were being 100% consumed by monthly administrative fees and his DD could not make any in service rollovers — so she couldn’t do anything about it. I believe she was working part time hours possibly minimum wage — so this might not apply in OPs situation, but it is something to be mindful of.
It seems to me that more companies are passing on some of the 401k administrative/ record keeping fees to participants— either a fixed fee or as a percentage of assets.
I recently read (on another financial board) about a Dad that regretted recommending his DD contribute to a 401k to get the match. He discovered that contributions and match money were being 100% consumed by monthly administrative fees and his DD could not make any in service rollovers — so she couldn’t do anything about it. I believe she was working part time hours possibly minimum wage — so this might not apply in OPs situation, but it is something to be mindful of.
It seems to me that more companies are passing on some of the 401k administrative/ record keeping fees to participants— either a fixed fee or as a percentage of assets.

Comment