I agree this should be easier, and far more accessible. I'm not sure how this works in the US, but in the UK you can transfer whatever you have accrued in the

I agree this should be easier, and far more accessible. I'm not sure how this works in the US, but in the UK you can transfer whatever you have accrued in the default (defined contribution) workplace pension into a private pension plan, at any point. They are called SIPPs, and you have many suppliers for them, and many of them offer a large universe of funds (or even shares directly). They are accessible to all taxpayers in the UK. Getting broad market exposure, minus fossil fuels - there are a growing number of ETFs and funds that don't have exposure to fossil fuels - I think there should be more, and lower cost ones.