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401K mutual fund choices suck for the same reason Cokes cost $4 at the movies- lack of competition. HR depts are reknown for picking awful 401(k) providers. Why don't they just choose Vanguard? Grrrrr....

As mentioned, you can't roll over your 401(k) into an IRA while still employed, with rare exceptions. Hopefully you can switch employers in a few years and then you'll be able to roll over. Most people aren't stuck to one employer forever. You could also quit, roll over, then reapply for the same job!

Can you avoid the sales load on the funds above? If not, I think you're right just to invest the taxable money. If so...OPTFX is the best looking from a fee and turnover standpoint.

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