Re: advise for new 401k
Instead of trying to tweak out an extra percent or two out of your portfolio, you should focus on maxing out your contributions first.
Your employer matches 20%. That means you're instantly getting 20% return on your money, RISK FREE. That is huge. Not to mention that this is pretax.
My advice: you should contribute the max that your company matches, and only then worry about specific portfolio decisions.
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