RE: The problem with most 401K contracts...

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Any suggestions? This was a great read and I’d love to know more of what you think are some of the better options out there!

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I would say, look at the annualised returns, easy to find via Google. Like these Vanguard funds.
For broker, I would try to look for a local broker instead of a big firm. They are easier to negotiate with about costs.

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