Skip to main content
No. of Recommendations: 0
I am new to fooldom and this is my first post. So I will try to make it short and sweet and see what happens.

I just finished the article on 401(k)'s I did not see any mention of self directed investing within the 401(k). Our company offers several investment opportunities including an index fund. They also, for a small fee, offer the opportunity for investing in what they call the "Personal Choice Retirement Account". The trades there cost $29.95 and there is an annual fee of I think $100. You can only invest "YOUR" money in that account. So, as I read in the article, the 401(k) money would be best invested into an index fund. However, is it a good strategy to invest all the "COMPANY MONEY" in the index fund and transfer all "MY MONEY" to the self directed account? There seems to be quite a few advantages in doing so. My questions are this:

Is this a good idea?

Should I treat my retirement accounts differently than my personal ones? It seems that a more aggressive strategy i.e. Rule Breaker strategy, would be good in terms of capital gains in a retirement account, and at age 40 my risk tolerance is relatively high.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.