No. of Recommendations: 0
Shh! Don't speak so loudly, the people in the Home Depot board might hear you!

What are the good points and bad points of each?

It sounds to me like you're already leaning toward 'A'. I want to dissuade you from 'C' because you lose too much to tax

Ooops, don't want to offend Home Depot! :)

a.(401k) advantage: nothing much to do, just roll it over into the same funds I have my other $ in currently, also, I believe the rules for borrowing if I ever need to are easier than an IRA? disadvantage: limited number of funds to choose from (12, but still a limit)

b. (IRA) advantage: freedom to choose any fund I want. disadvantage: I have to find one and perhaps there are taxes involved?

c: (stocks) advantage: I get absolute freedom to invest as I wish plus the money is much more liquid than a retirment account. disadvantage: penalties and taxes.
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