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The vast majority of American employees are not maxing out every tax advantaged retirement account instrument, and putting everything in a 401(k) past the employer match level is not advisable exactly because of the limited investment choices.

[bdangubic]

except if you self-employed. I have maxed the shit out of my 401k (i401k, self-managed) and after 3 decade career have more saved than I can spend in 8 lifetimes