Quote:
Originally Posted by GregWeld
People forget that they can open up IRA's and ROTH IRA's etc outside of their work plan... and then control and or understand what their hard earned money is going in to. Frankly -- I'd rather MAKE 30% than I would get a 3% match. But then again - that is putting a burden on the investor and the average guy/gal just isn't up to the task.
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There are income limits beyond which you cannot contribute. For those people 401k plans are the only option as far as I understand it. Married couples quite often exceed those limits.
Don