<prompt> Human: My company offers a 401k program and I want to get involved. They match at 3 and everything above the 3 that I match, they match 12. Recommendations on how aggressive or non aggressive I can be? If I decide to go very aggressive can I change that later to invest in different fundsa more safe plan if I wanted to?  <response>: Ideally, you should contribute 18,500yr, and they will match with contributions of something more than 9,250yr.If you cant afford to contribute 18,500yr, contribute as much as you can, and at least 9 of salary, as your employer will then match with 6 of salary, and your total contributions will be 15 of salary, which is what you need to contribute to have an excellent chance of retiring on the same standard of living as when you were working.Invest in either a Target Date Fund, or a 3 fund or 4 fund portfolio of index funds. See the sidebar wikis for more detail.Good luck. 