I have a quick question for all you seasoned investors out there. I bumped up my bi-weekly contribution into my 401k plan from 10% to 20% (because I decided not to buy into my stock re-purchase plan this year at work - wanted to diversify more and because the discounted buy-in price wasn't great). The max I can contribute into my 401K this year is 35% I believe. I currently have and control 2 IRA's, a ROTH IRA and a cash account through an online broker. I would like to contribute to these accounts in order to buy individual stocks (gems, rulebreakers, and stock advisor picks, etc... -- yeah I am a FOOL) with any leftover money I may have from my paycheck, as I currently do. My question is: Is it smarter to max out my contribution in my 401K (since it is tax-deferred money) rather than contribute only 20% (as I do now) and take whatever taxed money I may have leftover from my paycheck and invest it in stocks through my online accounts?I basically invest in my company's best mutual funds they happen to offer(Legg Mason Value Trust, Brown Advisory Emerging Growth Fund, and American Century Small Cap Value Fund) within my 401K. I definitely want to have money left over to buy the stock ideas presented in the newsletters that I like but I am just wondering what is the smartest thing to do long-term. I usually follow the principle to max out the 401K but I'm not sure if I would have any money leftover to invest in the stocks I want to. I guess I just need to know tax-wise what the better thing to do is.Any help would be greatly appreciated.---Wolverine1914
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