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Greetings, Naaree, and welcome.

<<I have been with my company for over 4 yrs and never thought of investing in this. But recently I have woken up. But since the next enrollment period is in Oct, I would like to take this time to consider some options.

My company pays $0.25 for every dollar upto 4% of income. After 3 yrs it is vested.

Should I contribute just enough to make sure I get all this 'FREE MONEY'.

Or should I go ahead and maximize my contribution up to 15% or 10K, which ever is lower >>

Hey, better late than never. And yes, grab that FREE MONEY while you can. Beyond that, definitely continue to save, but determine whether to do so in your 401k, a Roth and/or a taxable account.

Read steps 3 and 4 of the 13 Steps to Foolish Retirement Planning to see some of the things you should consider in making your decision. Get there at this link:


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