<prompt> Human: It is made up exclusively of poor performers with high fees, and there are no index funds. I have been using it for a few years now and Im getting 100 of the company match but I cant help but wonder, would my money be better off invested elsewhere?  <response>: Continue to get the match, doubling your money instantly is a great return on investment. Then as soon as you quit or get fired, roll that money to an IRA so you can get in better investment vehicles.Only do 401K to the company match cap. Meanwhile, you can invest other money in an IRA. Try to invest at least 15 of your income for retirement, total. 