No. of Recommendations: 0
Greetings, Bingo37, and welcome. You wrote:

<<I currently participate in my employer sponsored 401K plan. I am fully vested and have selected aggressive growth mutual funds. The aggressive growth funds that are available to me through the plan have not performed to my expectations nor have they performed as well as alternate S&P index funds.

Am I better off staying with the current employer sponsored plan due to the employer contributions or should I be looking for alternate investing options such as a IRA? >>

Certainly you should contribute enough to your 401k to get the maximum possible matching contribution from your employer. Otherwise you're leaving found money on the table, and Fools rarely do that. Beyond that level, though, you could possibly do better elsewhere to include using a taxable investment. To determine that, you need to perform a tax-equivalent analysis of your fund against any alternative you are considering. I suggest a way to that in Step 4 of my 13 Steps to Foolish Retiement Planning at Read that, and then do a similar analysis for yourself. By doing so, the decision should become clearer to you.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.