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Reply to "401s are they just a big scam? Is it a new reitrement thing that hasn't stood the test of time?"
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[quote=Anonymous]Scam, no. But like any investment vehicle, not the only thing I would rely on in my future. DH and both work for companies with generous matching plans, so we max our 401Ks. We also have investments in a mix of IRAs, Roth IRAs, mutual funds and pure cash. We've chosen to save very aggressively, and have a much smaller house than we could afford and rarely take vacations although I'd love to. I'm a government contractor in my late 30s, so I make basically government payscale, and already have over $300K in my company's 401K. Ideally your 401K should give you a bit of control in terms of what funds they invest your money in. I think that I can allocate my dollars among four or five separate funds that carry varying degrees of risk.[/quote]
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