The other major decision to make is what % of my salary to defer. I am tempted to front-load my contribution so that the money has more time to grow in the market. Dollar cost averaging is appealing, although I feel that, all things being equal, it would be better to get in sooner than later. ++++++++I would caution you to check very closely with you Co.'s HR folks to see how the Co. matches your 401k contributions. I worked for several Co.s that made their corporate match on a quarterly basis. These days, using a front-loading contribution method, there is the potential to contribute your annual maximum in one or two calendar quarters thereby missing corporate matching in the other quarters.BOTTOM LINE:You don't want to miss any corporate matching.sunray
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