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I'm new to investing and have been learning quite a bit on this website. Right now, I am trying to start planning for my retirement (I'm 30 years old, I'm starting a LITTLE LATE). So, with that in mind, I'm trying to maximize my returns where I can.

I have not, as of yet, participated in a 401K. My employer will do a 2.5% match, but no more. Should I participate in my 401K? Or would I have better returns investing my money directly into the stock market? I've read that Index Funds are the best type, but will they yield more than directly investing myself?

Please help, I've already wasted enough time and I don't want to make a huge mistake now!

Thank you to all the knowledgeable Fools out there!
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