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I have two options provided by my company:

1) 401(k) plan in which the Company matches 50% of the first $3,000 contributed; or

2) MSRP (Management Savings Retirement Plan) in which the Company matches 50% of all contributions, up to 20% of my salary. The catch with this plan is that the Company's matches vest only 1/3 each year I am with the Company (i.e. establishing golden handcuffs). Also, if I leave the Company the MSRP funds are distributed either in a lump sum or over five years, whichever I choose.

I do not know which to invest in. Currently I have $10,000 to contribute. I invest $3,000 in the 401(k) and the rest in the MSRP. Is this wise????
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