If you want to improve the returns on your 401k, a buddy of mine runs http://kivalia.com http://kivalia.com, where they provide advice on allocating the money t

If you want to improve the returns on your 401k, a buddy of mine runs http://kivalia.com http://kivalia.com, where they provide advice on allocating the money to funds available in many companies 401k's. If your company is not listed, you can easily create a new plan (clever crowd-sourcing ;), which then gets optimized. You can also get feedback on your current allocations. HTH.