<prompt> Human: Ive been debating whether to contribute less to my 401K and instead invest the money in a taxable account more aggressively. I am not a big fan of my companys 401K fund choices and right now Im contributing the max 18000 annually. I think I will cut the contribution to the company matching percentage 5.I did some calculations to see how a slightly better growth rate in a taxable account can come out ahead of a slightly lower growth rate in a 401K account during retirement distribution example is for 20 years.Can someone double-check my math? Also any reason why this approach is not recommended?I know my example doesnt account for addition contribution every year. And those gains might as well be offset by the shorter holding periods.---Leave in 401K and invest in some crappy mutual funds- Year 2015 1000- Year 2035 8 annual growth 4660.96- Year 2035 retirement distribution after 30 income tax 3262.67Invest in a taxable account in stocks- Year 2015 700 1000 - 30 income tax- Year 2035 12 annual growth 6752.41- Year 2035 retirement distribution after 15 capital gain tax 5739.55  <response>: 12 growth is a big assumption in the long run. 8 is normal. Thats not slightly better growth, 50 more is a big difference. 