My company got some trash index funds in the company 401k

I'm sure mine isn't much better. I have only one of each: large, mid, small cap, international, emerging markets; 2 bond and 2 stable value, and a bunch of crappy target date funds.

The good thing is that I put in 6% with a full match plus we have an auto 6% from the company, so I get a total of 18%.

quote:

---

I’ve got 5 options. Bonds, international, S&P 500, Russell 2000

---

Which investment company, if you don’t mind me asking? Lower expense offerings? ETFs or mutual funds?

I have a big chunk of mine in Fidelity Growth Company which is mostly tech. I think tech will outpace the S&P for the foreseeable future, but you'll have years like 2022 where you really take it on the chin if you are overexposed

You can move your money anywhere you like. No need to keep money with them if you don’t like their options.

I transfer out money once per year from the work account to the one I trust.

You may very well be right. I work for a very small company and I was able to handle my account in this way.

My apologies for the confusion.

Inquire if a “brokerage account” is available. This will allow you to trade individual stocks within your 401k.