Since you are 25 and have many years of employment ahead of you I would suggest that you place that 401K on the back burner and go for higher divident investments. I invest heavily into risk stocks and bonds and although with the present state of the US economy, I have taken a bit of a downward hit, the big picture is what I look at. Overall, my returns have been very good to very, very good. So I ride out the waves, much like a roller coaster, not panicking when recession is near or occuring. It usually returns to normal and then some. If you have extra cash to invest, make it work for you faster than most 401K can do. You'll never retire comfortably from the standard 401K package.