Say I go into fidelity and put 401k contribution at 100%. Will it just stop my contribution at my max for the year? Assume I’ve already put in 5k

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Is your percentage correct? Allocate a percentage of your pay check to your 401k. When you hit the max for the year, 19K, it’ll stop withdrawing

Yes. I’ve always done that as a forced savings mechanism. Just stash away the extra for the rest of the year. Nice to hit max 401k before the summer and then save post tax

Yes. Things to consider:
- Firm wont actually allow 100%. There still has to be enough to pay insurance, SS, and Medicare.
- On average, you’ll get a benefit from being in the market longer. In the short term, you’ll be much more affected by fluctuations this year.
- Critical to understand how your firm match works. Many would stop match after you max out, leaving short for year. Some would true you up next Jan/Feb... if you’re still around n

1. It's probably better to somewhat diversify the timing of your contributions, even if you do want to front load.
2. I don't think it tracks contributions across employers, if you switched jobs mid year
3. Most employers limit contributions at lower than 50%.
4. How does your company do match? Is it, for example, 3% of each paycheck contribution? Do they do true up matching? It's possible you might lose out on employer match if you're not contributing at least enough to get the match each paycheck

1. I do mean diversify over time. You could end up buying high and then stocks dip significantly later in the year. Where as if you've purchased throughout the year, you'll have more of the average purchase price. Of course you could also get lucky and buy low.
4. Check with your company and maybe Fidelity as to how this works. It's not the same for every company

you'll likely miss some of the match because employers usually limit match per pay check, not just per year

Nope, most employers will true up at the end of the year

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