I have a spreadsheet that shows me some various statistics about my 401k and I notice that assuming an average overall growth of 10%, my 401k contribution will be less than 1% of the yearly gain of the investment in about 15 years.
Is there a "common number" where financial experts agree that putting money into the 401k is a negligible increase and therefore the money might be better used for other things like repaying debt or investing in other products like an IRA? Sub-1% seems like a sure thing to me, but is there more common wisdom of a higher number? Does it all relate to my tolerance for loss?