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2) MSRP (Management Savings Retirement Plan)

This sounds interesting. I would jump at the chance at a program like this if my company offered it (even if it was all company stock, which I believe (in my case) is an excellent investment).

Wait, though, this is about your program. I would need more information than what you have provided to determine whether or not it's a good deal. I would ask the following:

- Is the MSRP just in company stock? If so evaluate the investment objectively. I differ with the conventional wisdom in this area. If your companies stock is a good investment, there is nothing wrong with taking a large position.
- It's not clear here whether you can invest in both or just one. If you can invest in both, then definitely fund the 401K at a minimum.
- Is the MSRP investment pretax dollars? What is the company pretax limit for both programs? There is a $10K pretax 401K limit. Can you exceed the IRS 401K limit with the MSRP program.
- When you leave the company, can you roll the MSRP over to an IRA? (you can do this with your 401K of course).

It's pretty hard to beat a matched, tax deferred investment. Even if you have to forfeit some of it, it is still better than nothing. Take advantage of the MSRP program if all the details make sense.

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