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Greetings, Josh, and welcome. You asked:

<<I'm a college student graduating in May, and my soon-to-be employer offers a 401K plan with no matching, but makes standard profit sharing contributions based on 6% of salary. Is there any point to making contributions of my own when I could perform better picking stocks, and not using one of the specified funds?>>

It's possible, sure. It all depends on how you invest the money as compared to your 401k. It also implies you will be as disciplined making those investments as you would be within the plan. That means the investment is made automatically each time you get paid and it increases by the same percentage each time your pay does. Unless you commit to that concept, you're far better off inside the 401k.

Before you decide not to use your 401k, read Steps 3 and 4 of my 13 Steps to Foolish Retirement Planning available at . They will give you food for thought and a strategy for conducting the analysis on whether or not you should use the 401k.

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