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No. of Recommendations: 1
Find out the entire fee structure. Once you know it, there are various calculators that will tell you if the SIMPLE is a better deal, or if ignoring the plan and investing in a taxable account is a better deal. The dollar-for-dollar matching is wonderful, giving you nearly a 100% return on your investment. Nearly, because of the fees.

If you pick individual stocks, your performance will depend on the commissions & on your ability to pick stocks. If you pick mutual funds, your performance will depend on the loads, on your ability to pick the right fund, and on the fund managers' ability to pick the right stocks.

A commission on stocks is not the same as a load. A load is a fixed percentage of the whole dollar amount. A commission is a fixed dollar amount, no matter how much you have in assets.
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