This is the part that just kills me on this company funds... they obscure... and add fees... and all manor of stuff that just makes investing harder and harder for the uninformed.
I agree that matching (free) money is a good thing --- but if you kick in 6% and they kick in 3% -- but then hit you with 1% annual management fees etc... AND you don't get growth and or income... then you can be putting money into a black hole. Sometimes the "match" just isn't worth it when you do the math.
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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