This of it another way. If you put in the least amount possible to max the matching (often 50% of first 6%) and put it into a money market or stable value fund

This of it another way. If you put in the least amount possible to max the matching (often 50% of first 6%) and put it into a money market or stable value fund then the "return" (the matching) will exceed the market returns you'd get on any index fund.