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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.




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