<prompt> Human: My wife makes about 80k usd per year. She contributes about 15kyr to her 401k. Her company match is 4.Her personal contributions to her 401k are taken from each paycheck 26 paychecks per year.The company she works for USED to make their company match contributions with each check. BUT...Recently, the company policy changed - instead of depositing their matching funds every paycheck, they will now make a single, one-time-per-year lump sum contribution on Dec 31 of each calendar year.I know we are losing money by not having those company funds working in the 401k all year, but can someone calculate how much this change will cost us annually? EDIT: assuming an average rate of 7, constant all year I know that isnt how it works, but its probably the only simple way to do any math.Is it significant enough to stop any contributing to her 401k in excess of the minimum required to get the full company match, and try to find other ways to invest that money?  <response>: Its minimal in the grand scheme of things. In down years youll lose less and in up years youll gain less, but overall it wont be much either way. Keep it as is 