>> The expectation for your 401k is that it's going to grow by 6-8% each year. I have always been suspicious of the 6-8% figure, as it also includes an unknown

>> The expectation for your 401k is that it's going to grow by 6-8% each year. I have always been suspicious of the 6-8% figure, as it also includes an unknown number of insiders. They know when to buy and when to sell, so their returns are higher than 6-8%. Correspondingly, all non-insider returns are lower, such as 3-4%, but you will not be able to tell because statistically, it will still average out to 6-8%.