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401k plans are plans for your retirement; your 401k takes a certain amount of money from your paycheck and submits it to a bank account for later use. After you have reached a certain amount of money in your 401k you are eligible to make withdrawals, but these withdrawals are just like loans all the money you withdraw you must pay it back within 5 years of the withdrawal.

Also like any other loan it accumulates interest that must be paid but so not the smartest idea to make withdrawals from your 401k until you can do it freely and not have to pay it back. You can freely withdraw from your 401k at the age of 59 ½ , but if you leave your employer after the age of 55 and become disabled you are also liable to withdraw from your 401k freely. Also, by the age of 70 you will have to take out a certain amount of money from your 401k monthly.

There are also many other rules about your 401k that you’re going to need to know though. Like to start you cannot just make deposits into your 401k you

First you may use back testing. The last half a year or whatever period you select. This doesn’t take too long because you can rapidly scroll through historical charts searching for the signals that would have led you to make a trade if you had been operating your system live at that time.

Back testing should give you an idea of whether a system has potential. Naturally the market isn’t going to copy in exactly the same way so you should take into account the proven fact that you could have struck lucky or unfortunate and picked a point in time when the system performed abnormally well or badly. For this reason, it is best to back test over the longest possible time and maybe split your tests so that instead of testing, for instance, one entire year when the market might have been especially powerful or feeble, take the 1st quarter of year one, quarter two of year two, etc so that you test one 3-month period from every year of four years. Here you are dealing with the live market but n