Most work 401ks feature a pretty small selection of funds, so I'm not sure why you'd ever talk to a broker. Usually a bunch of Retirement age focused funds (so

Most work 401ks feature a pretty small selection of funds, so I'm not sure why you'd ever talk to a broker. Usually a bunch of Retirement age focused funds (so the 2045 fund is if you want to retire in 2045), Index funds, and some pretty basic mutual funds. The biggest benefit of 401Ks comes from your company provided match, because that's free money and instant ROI.