<prompt> Human: To be short: I have a 401K plan from my work that charges 0.59 annual asset fee, assessed quarterly. The best fund available to me in the plan is Invesco Comstock A, which charges 0.89. I have no matching, other than an elective profit sharing option for my employer IE, we do real well this year and my employer, a small 50-some employee firm, will contribute some money to our 401K, maybe.Understanding that Im likely to elect for a Roth 401K, am I better off just investing my 17.500 in a taxable Vanguard fund, or should I still contirbute to the 401K? Taking all viewpoints. Thank you!  <response>: You should invest in an IRA first if your employer doesnt match and has a bad plan, but any money you want to save for retirement past that should go into your 401k. Remember that a bad 401k can turn into a great IRA if you ever leave your current employer, and fees have to be really obscene to make a taxable account a mathematically better option than your 401k.You could also consider campaigning for a better 401k plan 