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<<To which I add my comments to disagree with Kevin. It's really not all that hard to beat a mediocre 401k plan over the long term when there is no employer match>>

I jump in to concur with Pixy. Except that he should have put the period after the word "plan".

Merely putting your money into SPY would do the trick. Virtually no taxes until you sell (in retirement), and when you do sell you pay capgains tax rate instead of ordinary tax rate.

QQQ is probably even better. The dividends don't cover the management fee, so you don't have to pay annual taxes on the dividends like you do with SPY.

'course, for a long term, XLK (Technology Sector Spyder) would probably be even better.

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