Our 401k has been increasing by 100,000 a year for the past three years and I think it's going to continue. We have always placed most of our investments in S & P 500 and it has never let us down, 30 years of doing it this way. Soon our home will be paid off and when we hit 1 mil we will retire. Steady 10% contributions over the long haul has been how we've chosen to invest.