boisterousbob

50% Returns, No Risk?

This is a particularly stupid analysis. Might as well say "I have my salary, why invest it".

A Matching program is just more money given to you by your employer. Who cares it is a match. Call it bob if you like. Or for that matter, call it salary and pretend it came in your pay check and went into your 401(k). So what?

There is only one question here. If I keep adding to my retirement account via contribution and growth at this rate, will I be able to retire.

If not, putting it into an investment vehicle you believe will grow more quickly is an option, totally irrespective of where the money came from and regardless of whether you ever called it Bob.