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A funny thing struck me as I sat there, live, on the CNBC set during “Closing Bell” for a quick banter about “high” 401(k) fees: In the end, retirement plan fees are a lot less important than saving to the plan. This concept is similar to what a 2012 Wharton study showed: Of the four factors analyzed, investment allocation was less important than the three savings components (when you start, how much you contribute, and when you retire).

Christopher Carosa

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