401(k): no match

What can you do if your employer doesn’t offer a 401(k) match?

Some employers encourage employee participation in their retirement plans by offering to match a portion of the funds. For example, many companies will add 50 cents of every dollar up to 6% of an employee's 401(k) contributions.

But what if your employer's retirement plan offers a 401(k) without a match? Is there any way you can still beef up your retirement a little more? Here are some ideas:

Crank up the investments available

Take full advantage of what is available to you:

Invest at home

Extra money for investing is often “found” in your house or condo:

Press your employer

Determine the dollar amount of a potential employer match, then consider it part of your overall compensation:

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