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What about indivial 401k's?
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I believe this is only open to Companies with a certain amount of employees. I believe the SEP-IRA is other alternative.
I put together a little spreadsheet to show the difference between retiring ages and APR you could get from the market. The spreadsheet assumes Iterest paid yearly with an annual deposit if 10k. You can see the big diffence in 20, 30 and 40 years out of the retirement.
Scotty O
IRA Table