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With respect to 401K plans....

I have always understood employer contributions to be based on a fixed percentage, calculated against the amount the employee contributes.

I always contribute the maximum the law allows me to contribute to such plans.

Lately, I have tended to accelerate contributions to reach the max earlier in the year, just to get the amounts in sooner, so they compound sooner.

A co-worker insists that it is better to spread contributions out over the entire year, so as "not to lose any of the employer match".

She can't fully explain it.

Now, if employer contributions are based on a percentage, don't I receive the same amount of match regardless of when my contributions go it - sooner in the year, rather than later or vice versa?

Thanks, RS
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