401k

How old are you?

You have election options. Typically a low, med and high risk managed fund. Also, those will usually be broken out so you can specialize in different markets, ie SP500, small caps, etc.

Someone correct me if I’m wrong but many company sponsored 401k plans do not allow (or limit in some way) rollovers while you are still employed.

Your difference in returns is solely related to what your money is invested in (less any fees). Not at all related to what account the money is in (ie 401k vs IRA). Some 401ks have shitty, high fee mutual funds which may be contributing to low returns. Or maybe you’re in some bond fund which obviously will lag S&P.

Post what fund you’re invested in with your 401k, as well a what 401k fund options are available to you and ppl can chime in on suggestions.

quote:

---

Empower Stock index fund 35.92% US bond fund 19.70% International stock fund. 14.05% Large cap stock fund. 9.45% Long bond fund. 9.45% Emerging market stock fund. 8.15% The real estate fund 3.28%

---

Are you on your last 10 years of working before retirement? I assume so. If so, that looks like a mix that will average you 9-10% returns annually, which is probably about right unless you are very conservative and looking more to preserve assets. If you are indeed within your last 10 years, are making 9-10% returns on average with that mix, and Edward Jones (with their total take of about 3% annually) is beating that, I’d guess your Edward Jones advisor has you invested way too aggressively.

Thanks to all. I very much appreciate the advice and taking the time to do so.
Very helpful to me.