Here's my opinion and I know you are only 21 so you can take it or leave it. Don't be using your 401k money to trade. If you want to trade use some money you have on the side.
I'm only 21 and I don't feel retirement planning is best for me right now.
Oh my gosh! If you were my kid I would be trying so hard to slap you out of that remark. I have a kid your age who is putting away a small amount of her check every week in an employee savings plan. Put away as much as you can afford right now.
You should consider yourself lucky that your job is offering you a decent savings plan and take advantage of it. Put the money into a few diversified mutual funds. Believe me...they will do better than you will if you trade that money. At your age, you can put the money into more aggressive funds because you don't need the money for a long time.
If your company is offering stock at a discounted price, is it limited in the amount you can buy, and do those purchases have to become vested?
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