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I agree only with the matching portion. If an employer only matches 6%, then you should only put in 6%. Before someone maxes out their 401k plan, they should max out an availiable IRA plans. The reason is simply, an investor gets more choices on how the money in an IRA account is invested.

But, I think most people would be better off maintaining a taxable account. Just think about the write-offs at the end of the year for poor performers. You can not write off bad stock in IRA or 401k. Another thing is that the returns on 401ks and IRA (except Roths) are taxed as income--NOT as the lower capital gains tax.
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