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Message: <blockquote data-quote="okietool" data-source="post: 3890539" data-attributes="member: 6030">You should always pay in at the end of the year.  If you have any match you need to get it.  That gives you 100% profit plus how ever much tax you don’t pay. Say 18% fed and 6.5% Ok Tgat ups it to 125% from day one. So even if your 401K is down 50% you haven’t lost money. Plus if you can get anything in a Roth account do it. The drawback to 401ks in my case was a very limited assortment of funds. Now that I’m out so are index funds. I’m in managed stuff now. That and metals and commodities.</blockquote>