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Another place that is apt to get a knowledgeable response is the Foolish 401k board at

I believe that the contribution max only applies to your contributions. The employer match is not affected other than if the new maximum is less than the amount that the employer will match which is not likely the case.
I'm not aware of any other tax deferred investments that can be made. You should probably consider a higher contribution to taxable accounts using tax efficient investments. There is certainly nothing wrong with having a significant taxable account at time of retirement.


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