If this is all going for post retirement income, you might Look into a Roth 401k option if your company offers that option. Or a Roth IRA.I have a 401k thru my work. It's at Edward Jones. I absolutely hate it. They take a annual percentage pulled out monthly, of the account gross balance. I dislike that in the fact that they get a paycheck for "attendance" not "accomplishment". It has done good though 15% annual return of the last 4 yrs. I have only had it 4 yrs. I opened up a TD acct in March. I am putting in all the extra money I can into it. I bought only into individual stocks. But I am in the process of getting 2/3 of my money into ETF's (QQQ,SPY) and will keep 1/3 into individual stocks. I always put my annual raise into my 401k, but wont be doing that anymore. Any raises will be put into my TD account. Granted, it will be post tax instead of pre tax. But I am fine with that.