I received the following question from a reader:
Thank you for your site. I have found you present topics in easy to understand ways and also bring to light other sources of information that do the same.
I was reviewing your post on personal rate of return and I wanted to ask a question about 401Ks and personal ROR. In calculating your personal rate of return would you include company matching funds as part of the contributions? I could see it both ways, as the company match can be seen an immediate return OR the true returns are on the various investment vehicles you select within your 401K.
My response: Continue Reading…