401(k)'s almost always have terrible choices for funds, because of the principal-agent problem. The agent of the company makes the choices on what funds are ava

401(k)'s almost always have terrible choices for funds, because of the principal-agent problem. The agent of the company makes the choices on what funds are available but it is the principals as employees who pay the fees. In half-a-dozen career stops over 20 years, I've seen good fund choices in the 401(k) maybe twice? Which is why whenever I leave a job I always roll it over into my trusty Vanguard IRA as quickly as I can, and get to have my choices for funds. (401(k)'s and IRA's are treated differently in a divorce, which fortunately has not been a problem for me, otherwise having a IRA is so much better than a 401(k). If it wasn't for the employer matching funds I would never do a 401(k) and just do a IRA.)