再論401K: 自殺 (now) or 他殺 (then)?
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Assuming your tax bracket is 37.3% (fed 28% plus 9.3% for Californians):
You take your 37.3% loss as soon as you elect not to contribute. Would you rather to take risk to make 401K contribution NOW to invest since mkt is at its 12- year low: buy low and sell high?
Your input would be greatly appreciated.