Work for privately held company > 10 years, generous 401K (4% match of salary, no cap). Company just acquired by large publicly traded company. New 401K is 3% match with $3000 cap. Both 401K plans are at Fidelity. In my case, loss of free money is over $4000/year plus any gain or loss of those invested dollars. My question, if I continue to contribute the way I am, 13%, I'll hit the max match in 6 months. What should I do the rest of the year? I am 60 years old and have an IRA and a taxable account at Vanguard.