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How do I choose between a stock purchase plan and matching 401k contributions when both are offered in a new package

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do I choose between a stock purchase plan and matching 401k contributions when both are offered in a new package
2 real searches · 1 real-search pass
IRS 401(k) employer matching contributions employee elective deferrals limits 2026 officialGoogle ↗
OBSERVEDOther / navigational
SEC investor diversification employer stock concentration risk employee stock purchase plan tax qualified section 423 IRSGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigational50%ComparisonConsequenceReason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS 401(k) employer matching contributions employee elective deferrals limits 2026 official Google ↗
SEC investor diversification employer stock concentration risk employee stock purchase plan tax qualified section 423 IRS Google ↗
  1. uscode.house.gov · uscode.house.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS 401(k) employer matching contributions employee elective deferrals limits 2026 official
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
SEC investor diversification employer stock concentration risk employee stock purchase plan tax qualified section 423 IRS
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1