Well, I can offer a few thoughts. The main advantage with option 3 (self-directed 401K via Schwab) is that you do not limit your investment options. . .you can invest in individual stocks or mutual funds, etc. It really is no different than if you had an IRA with Schwab. However, I do not like the $50 per quarter ($200 per year) fee. What is this fee supposed to cover? It would seem to me the $29 dollar commission should be sufficient. I think you need to compare this $50 per quarter fee (percentage wise) against the amount you are contributing to the 401K . . .off the top of my head, it would seem to be a pretty steep fee.If you are satisfied with the 12 mutual funds offered in your first option, this might be the simplest way to go and should provide a decent rate of return over the next 30 years . . .again, however, with Schwab you have unlimited choices of mutual funds.Hope this gives you some food for thought.Dave
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