 So you've got a predictable environment for these mutual funds then, and you can project what you're going to get out of that. The best place you can put money is where you get a match. The second best place to put money is Roth, 401K, Roth IRA, because it grows tax-free. The third best place is traditional. So it's almost rock, paper, scissors, but it goes only one direction. Match beats Roth.