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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.

Always late, but i guess its better than never.
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