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The rate of return on a 401(k) is calculated by dividing the change in the account value by the initial investment, then multiplying by 100. The amount one should save in a 401(k) by age varies based on individual goals and circumstances. The expected rate of return on a 401(k) depends on factors such as investment mix and market conditions, with 8% sometimes considered aggressive. The actual rate of return can vary widely.

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