回复：Eight reasons why 401(k)s are a smart idea

Hi,

It is definitely a good idea to join a company 401k. Most companies match 50-75% of your contribution up to 6% of your pay.

So if you contribute 6% of your pay (say $6000, if you make $100k), the company will contribute $3000, it is equivalent of getting a 50% return on that $6000 investment, which is very hard to beat.

Also, it's a very tax effective way to build up your retirement savings.

Here is a good link to 401K and its benefits. Most financial advisors advise people to contribute the maximum amount allowed by the company.

https://401k.fidelity.com/401k/pfp/rp/fringe.htm

Eight reasons why 401(k)s are a smart idea

1- It's up to you to save & invest for your future
2- You can increase your take home pay, really
3- A company match can help your investments grow
4- Automatic payroll deduction makes it easy to save
5- Most of your plan's investment choices are managed by professionals
6- Most plans allow access to your contributions in an emergency
7- Account services keep you informed
8 -Your money can go with you, job to job

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