My 6 months at my current company has come up and I can sign up for the 401k.
The matching contribution is an amount equal to 100% of the first 3% of my wages that I defer, plus 50% of the next 2% of the wages I defer. I am able to sock away 36% of my income into the 401K while still contributing $5500/yr to a Roth IRA through Betterment (and other various post-tax accounts with varying asset allocation)...with still some leftover for a 90/10 stocks "stash".
If it matters, I still have ~$89k on a 4.275% mortgage.
At the moment, my plan was to max the 401K and Roth IRA, and basically divide up the rest in mostly stocks, some bonds (emergency fund, next vehicle fund) and extra payments on the mortgage. I couldn't decide what I wanted to do, and assumed the market was going to tumble soon...so I put divided up the remainder everywhere to spread my risk of not being "optimal".
I'm looking at these 401K plans, and the net expense ratios just seem terrible. They range from 0.50-1.5%. Is this still better, considering the tax benefits of the 401K? I don't have an HSA since I didn't pick up the health insurance (disabled veteran, free healthcare from VA).
Do I need to give more information?