"You really need to contribute to your account, because those contributions have an equal weighting to the market appreciation over the long term," says Beth McHugh, vice president of market insights at Boston-based Fidelity.Investment earnings and contributions can grow tax-free in an employer-sponsored 401(k) account, which is a key reason why they're a popular way to save for retirement.
Fidelity: 401(k) Balances Grew 12 Percent In 2012
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