---
title: 'The 100% Guaranteed Investment: Do You Take Advantage of It?'
source: 'https://youtube.com/watch?v=y-L8J90jfu8'
video_id: 'y-L8J90jfu8'
date: 2026-08-05
duration_sec: 76
---

# The 100% Guaranteed Investment: Do You Take Advantage of It?

> Source: [The 100% Guaranteed Investment: Do You Take Advantage of It?](https://youtube.com/watch?v=y-L8J90jfu8)

## Summary

This video explains the concept of an employer 401(k) or 403(b) match, framing it as a '100% guaranteed investment' because it provides an immediate 100% return on your contribution. The speaker illustrates with a $100,000 salary example, showing how a 4% match can grow to nearly $489,000 in 30 years, and emphasizes that taking advantage of the match should be a priority after building an emergency fund and paying off high-interest debt.

### Key Points

- **The 100% Guaranteed Investment** [00:02] — The video opens by claiming that the day you take advantage of an employer match is the day you 'make it,' framing it as a guaranteed investment opportunity.
- **Understanding the Match** [00:16] — Using a $100,000 salary example, the speaker explains that a 100% match up to 4% means the employer contributes $4,000 if you contribute $4,000, resulting in an immediate 100% return before any market gains.
- **Long-Term Growth** [00:43] — With an 8% average annual return, the employer's $4,000 annual contribution grows to about $489,000 in 30 years, and over $1 million in 40 years.
- **Priority Order** [01:10] — The speaker advises that after building an emergency fund and paying off high-interest debt, taking advantage of the employer match should be the next priority in investing.

### Conclusion

The video concludes that the employer match is a powerful, low-risk way to boost retirement savings, and encourages viewers to take advantage of it if available.

## Transcript

the day that you make it. I know that sounds ridiculous, but let me explain. A lot of people don't opt in for this and it's usually available to you if you with a retirement plan. And that would be a 401k match or a 403b match if you
work for the government. So, let's say your salary is $100,000 per year and your company offers to match 100% of up to 4% of your salary. This phrase just means that of your $100,000 salary, 4% of it or $4,000 of any contribution will
be matched by your employer. So, if you put in 4,000, they put in 4,000 and that's a 100% return before any investment gains in the market. When it comes to market returns, let's run the numbers on how this impacts your
retirement balance. So, $4,000 a year from your employer invested in a target date fund or an index fund and an 8% average return means that in 30 years, your employer's half alone is worth about $489,000.
That's money you never had to work for if you just took advantage of the match. and you do this for 40 years, that's over a million dollars. So, after you have an emergency fund and you've paid off any high interest rate debt, this is
going when it comes to investing. Let me know if you take advantage of the match know if you take advantage of the match and follow me for more.