Well there are personal iras but they have much lower limits for equity reasons like you thought: https://www.morningstar.com/retirement/why-are-ira-limits-so-m

Well there are personal iras but they have much lower limits for equity reasons like you thought: https://www.morningstar.com/retirement/why-are-ira-limits-so-much-lower-than-those-401ks https://www.morningstar.com/retirement/why-are-ira-limits-so...