<prompt> Human: Hi folks,My employer recently setup a 401K for employees, but the only options for investing are actively managed American Funds.I still make out like a bandit due to the employers match, but is there any way for me to somehow move the money to a lower-fee index fund? Thanks.  <response>: When you leave or retire you can roll it over and do what you want with it. Even bad 401ks can become great IRAs in the future. 