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Calling himself the 401(k) lab rat, Richard Schmitt has been day trading within his 401(k) plan for the past three years. An adjunct professor at Golden Gate University in San Francisco, former retirement plan consultant to two large Silicon Valley companies and an actuary, Schmitt said that his theory on how to get higher returns within a 401(k) has worked very well for his own investments during the past three years so he thought he would share it with others who may not have the time to think about their retirement investments on a daily basis.

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