I seriously doubt I will ever again contribute the maximum amount to my 401(k) given the return on my investments. I do not have a wide selection of mutual funds to choose from so my selection universe is rather limited. If I had a broad selection, as my perfect personal portfolio does, I know I can achieve much greater than 3%. I'm considering not adding to my 401(k) anymore and using the money in my personal portfolio to increase overall retirement planning.I think this is a mistake.Personally, I'm shifting my portfolio to a Coffeehouse balance. After 20+ years of maximum contributions and no need to do it all at once, I'm choosing to add funds to the areas I'm lacking instead of a wholesale rebalance.When I started my job 3 years ago, I looked at the segments my portfolio was lacking and the fund choices available in the companies 401k and found a good fit. I'm not overly concerned with my 401k return because it's only one piece of the whole pie; my goal isn't to maximize my 401k return but to balance the risk and return of the entire portfolio.OTOH, if you're in a low marginal tax rate (15% or below), 401ks may not be as beneficial to you. For us, the tax savings is much higher than that.-murray
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