"My advisor should help me get out of low-performing investments—and get into high-performing investments" / "My advisor only focuses on my account balance—everything else is up to me"/ "When the market swings, my advisor should make a change to my portfolio." / "If my portfolio doesn’t include the most popular investments, my advisor isn’t doing a good job."/ "I only need an advisor if my portfolio is complex."
The first thing you need to figure out is how much of your contribution your employer is wiling to match. This is usually expressed as a percentage, with employers often matching up to 6% of salary. That means for every dollar you contribute up to 6% of your salary, your employer contributes something to match that contribution.