Dale; I agree with you, to a point. In my 457 plan I contribute about 22% of my income. My mutual funds are aggressive and have been averaging about 22-24% return for the past year (when I began contributing heavily). Since I owe about 600 dollars on my credit card, I am trying to pay them off at the same time. I always pay as much as possible on pay day. at 13% Nevertheless, one could argue, that in this situation, the investor would have the advantage of about 10%. Granted, the stock market has been very hot for the last year. It is an unusual market, staying very bullish with few corrections, and it is making some people rich. lm
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