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My company has a 401K program with Fidelity. So I put away 15% of my income there tax-deferred each year and they add 6% to that.

I was interested in seeing if I cant have them instead put the money in a self-directed IRA and I'd distribute it amongst the Foolish Four (or another Dow beating scheme). I've been unsatisfied with the performance of the various Fidelity Funds.

Should I bother doing this? Please forgive me if this is a silly question.

But even if I knew this were the right path, I dont think there is any way I can do it! The people in Benefits say the only way they will make these contributions is through Fidelity. I suppose I *could* just put away 15% myself where I want and tell them not to deduct anything. So I'd have to do all the accounting. Yuck. But then I'd lose the 6% contribution which would be bad I'd think.

I'm frustrated and confused. Anyone been here before and have suggestions or solutions?

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