Greetings, Adrake, and welcome.<<but I am not convinced that Sci/Tech won't take a big hit at some point.>>It probably will. That's why for a "no-brainer" approach to Fund investing Fools prefer an S&P 500 index fund. Nevertheless, the TRP Sci/Tech fund is a good performer based on its long-term history. It just takes watching a lot more closely than an index fund.<<Also, I have read in other messages about people using self directed IRA's for rollover of 401k funds, in order to choose the investments that you want. Is that the way to go? Can you rollover funds into something like this if you are planning to stay with the same employer long term?>>While you are still employed by the plan sponsor, this will not be an option for you. In general, to remove all funds from a 401k for investment elsewhere requires you to terminate employment, retire, or die. For all intents and purposes, then, the money stays in the 401k until you leave the company.<<I know another consideration is the employer match. Currently there is no match for my position, but they are changing effective June 1 to a match program depending on the company's performance. If the company makes plan it will be 50% match of the current 4% salary cap. If it does better, it could be up to the full 4% match, if not, it could be 25% or less.>>Your match will be based on a profit sharing arrangement. While not guaranteed, you won't get it unless you contribute. Therefore, IMHO you are still well-served by putting in a minimum of 4% of your pay. After all, that can get you up to a 100% return on your contribution in any given year. That's FREE MONEY, and something you should ignore at your own peril.Regards…..Pixy
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