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I start a new job tomorrow morning. My new employer offers a 401K but no matching. All of the funds available have a *minimum* 3.5% front end load. That just chaps my @#$ to pay a load. My other investments - mutual funds, individual stocks - are doing better than these potential 401K investments minus 3.5%, making them appear on the surface to be the better choice. I know, however, that 401K money has other advantages: decreasing your AGI, untouchable in the case of bankruptcy. My question is should I go ahead and join the 401K for these other benefits, despite poorer performance?
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