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Message: <blockquote data-quote="bigfug" data-source="post: 3891220" data-attributes="member: 4864"><p>You'd have to lose more than 60% before you actually take a loss vs what you would have put in your pocket not contributing, and actually gaining more than 6% since its a pre-tax deduction. Lets say for easy math 6% is $100 a pay period, if you didnt contribute, after withholdings, your looking at roughly $68-70 bucks in your check. But if you did, your 401k has $200 in it, so you're 401k would have to lost $120-130 before it equals your take home, but also remember that your adjusted gross income, or taxable income is lower as well. Only way you're losing on a 401k is a depression or EOTW type event. If the market is bad enough that people are lossing 60+% in the market, we are all screwed no matter where we put our money.</p></blockquote><p></p>