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Am moving to a new employer. She offers an employer paid 10% of my salary in a SEP through Merrill Lynch. I have the opportunity to add an additional 5% of my salary to it (which I plan to do). The employer paid portion is deposited quarterly. If there is the opportunity to self-direct to stocks, would I allow quarterly payments to build in a cash account before distributing the entire year's amount across the Foolish Four once yearly (Dec or Jan)? Or should I establish four different portfolios that need to be revised at four different times each year. I lean toward letting it build up to avoid what I'm afraid would be huge commissions at Lynch.
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