<prompt> Human: Is it possible to pull my money out and manage myself? is there a better option?  <response>: 0.6 certainly isnt great but its far from the worst. As long as you contribute to your 401k youre going to be subjected to the investment options offered by the 401k provider. You can try asking your HR department to review the investment options and to consider replacing them with different ones...but thats probably a long shot.While continuing to work at your current company, you cannot take the money out without paying taxes and penalties. If you ever separate from service you can do a non-taxable rollover to an IRA. Once the money is in an IRA you can invest in whatever you want. In terms of making contributions going forward: If your company provides an employer match you should contribute as much money as you can to get the full match. If youre really unsatisfied with your 401k investment options, then you can invest the next 5,500 in an IRARoth IRA though the ability to do this is limited by your AGI - the number on the bottom of the first page on your tax return. If you have more money to save towards retirement that shift back to your 401k and resume deferring money into it. 