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Investing Specialists

Tips on Making the Most of Your First 401(k)

Focus on savings rate and asset allocation, but don't forget fees, say readers.

Whether you've invested before or not, enrolling in a 401(k) plan for the first time can be both exciting and nerve-wracking. Sure, saving for retirement may make you feel good about taking responsibility for your future, but how do you decide what to invest in or how much to save, and how do you make sense of all those plan rules? These and other questions often vex first-time 401(k) users, and the fact that 401(k) plans vary in quality and structure doesn't help.

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