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If your company doesn't do an end of year "fix up" then yes spread them out.


Fix Up? Please explain, I'm not sure what you are talking about.

What I mean by a "fix up" is where the company or their 401k provider does a little calculation at the end of the year and says "Aha! You put in 6% (or more) of your annual salary and so we will give you the 3% matching (or whatever the appropriate rate is) on your entire annual salary." They then deposit into your 401k the difference between 3% of your annual salary and whatever amount they have already put in. This will happen even if you, for example, put all your 401k savings away in January and February and so were only matched at 6% of your January and February portions of your salary. Not all companies do this and I'm not even sure if most do it but my current and previous employers do it.

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