Thoughts on timing of 401k deposits - larger deposits 1st few months of the year to be invested longer vs. spread out the whole year for more diversified purchase points?

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From pure numerical, front load is better. But make sure you get the employer match in every pay period. My employer requires a contribution in each pay check for a match to occur.

Personally, since I am above the SS withholding threshold, my take home pay is higher after September/October. What I do is make higher 401k contribution in those months, and less throughout the year, to overall balance out my take home pay.

Not optimal from investment perspective, but makes easier for my budgeting.

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All depends on your age and the matching conditions. I would try to Max our in as little time as possible so that the money would have more time to compound. That being said, I would spread it out to take full advantage of the free money I would get from the matching. I wouldn’t put more than what my company matches if I’m over 40 because it won’t grow as much as my other tax free growth investments. Also, try to get a Roth401k if available so that distribution at retirement are tax free.

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What do you mean it won't grow as much as other tax growth investments?

Before you go that route check to see if your firm does a “true-up” if you max our earlier in the year.

Thanks for the tips! Company doesn’t match (contributes a set % of salary instead) so it sounds like going ahead and getting the money invested is best.

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