<prompt> Human: As the title says, I have contributed to my companys 401k throughout 2014, but they have from what Ive read online a high expense ratio of 1.41. They also only match half of my contributions, up to 2 so I contribute 4. Not only that, the company matches ONLY if I am employed on December 31st and they have no plans on changing any of this for 2015. My question is, would it be smarter to stop contributing to this fund and rollover my investments to an IRA? I currently have a Rollover IRA with other funds from previous employers, so I have that option open already. I also have a Roth IRA that I havent been able to max the yearly contribution limit on yet yes yes, I know, I need to max this but medical expenses are robbing me blind.Sorry if this post seems ignorant. I want to be more conscious of my financial decisions so I thought Reddit could give me some insight!Thanks in advance!  <response>: Most plans dont allow in-service rollovers from a 401k - you typically have to separate from your employer before you can do a rollover. Even so, I think the match still makes it worth staying in. 