The Cost of Procrastination
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
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Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.