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I have done research at my current employer concerning the Profit-Sharing Plan. The company will make an annual voluntary contribution to my account. These amounts can range from 0% to 15%. I am also permitted to contribute up to 10% of my own salary tax-free. The money can be used to buy common stock of my company or a choice of three somewhat conservative mutual funds. The growth is tax-deffered. It differers from company to company.

As for a 401(k), I do not know how it would compare over the long haul to a Profit Sharing Plan. It depends on the amount the company will match and so on. It makes some sense that if the company one is working for is very profitable, the maximum contribution would be made, therefore beeting the 401(k). If a company does poorly it makes sense that the 401(k) would win out because the company has to match. These are big SWAG's (Scientific Wild Ass Guesses).

It makes my head hurt!!! Some fool more foolish than I must reveal the rest of the answers.
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