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Financial Planning / Foolish 401(k)s

URL:  http://boards.fool.com/i-guess-it-depends-on-what-you-are-trying-to-30710439.aspx

Subject:  Re: Figuring in Contributions Date:  5/31/2013  4:20 PM
Author:  mjolah Number:  25035 of 25254

I guess it depends on what you are trying to measure (and why). I track employer contributions as "contributions" and not as a gain - because in reality, it is part of my "total compensation" that I earn - it isn't gratuitous - and is merely a different form of "deferred" comp. That way, I get a truer picture of the return on the investments I have selected - which is important for purposes of investment selection and monitoring, plus as a barometer against which I measure the intrinsic fees of the funds, plus any other direct fees payable.
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