Originally Posted by bugman61

If you are a “day trader” or other style of aggressive investor, opt out.

If you have a large amount of real estate, opt out.

If you put your money in index funds or target date funds, stay in.

The plan is beneficial for the last 10-15 years (or possibly 10-15 years prior to 59 1/2 pending the in service withdrawals).

So the older you are, the more likely this is good, and the younger you are you need to see if the down line benefits are worth short term compromise.

Im in my early 40s and probably staying in, pending some analysis.