Employer match
An employer may contribute when you contribute. Check the plan formula and vesting rules rather than assuming the full match is immediately yours.
Traditional and Roth treatment
Plans may offer pre-tax and Roth contributions. Tax treatment differs now and in retirement, so consider current and future circumstances.
Keep fees visible
- Review investment expense ratios.
- Understand plan administration fees.
- Use a diversified allocation appropriate to your time horizon and risk tolerance.
Next step
Turn the lesson into action
Use the connected calculator, then save or download the matching worksheet so the decision is not lost.