[carlosjobim]

Then move your savings into some other vehicle instead.

[thinkthatover]

If only! Many people have limited options for investing based on their employer's allowed plans that match 401k contributions

[otterley]

They’re usually mutual funds managed by a brokerage or a company like Vanguard. Those funds often will have different management strategies than S&P 500.

[lokar]

If it's not in a tax sheltered account that can generate a large tax bill.