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@tabler Whether you can or not really depends if your workplace 401k plan allows self-directed investing or has the kinds of index funds you want to invest into. As for whether you should do a Roth 401k or a 401k, it's really a lifestyle question. You do generally get more in retirement with a...

@tabler No. You can rebalance the portfolio without penalty (aka sell and keep cash, or sell and use cash to buy other stocks), but you can't take distributions from it.

@hmd Yes, in that case it's just an extra ~$6500 you can contribute to an IRA and can rebalance tax-free (usually can't deduct if you make more than 80k AGI)

@mitchrad A regular IRA allows you to sell assets without triggering a taxable event, and lets you buy any stock you want vs a workplace 401k where often you can only pick certain mutual funds. Say you bought 10k of one stock in a regular IRA, if it does grow to 100k, you can sell it all at...