<prompt> Human: Not a bad article to read if one is considering a change in employment with a 401k in the future:  <response>: My employers 401k plan offers a pretty terrible range of options. We only get one index fund, for instance, and its expense ratio is way higher than many others. Rolling over my previous companys 401k into a Rollover IRA, from which Ive bought individual stocks and some index ETFs, was definitely the right decision. 