<prompt> Human: This might be preaching to the choir here, but I thought Id share how a little info is going a long way for me.I took a super hands-off approach to my 401k since it started 5 years ago. I heard that the management firm selected an investment plan, and I figured that it was going to be good enough for me.In a 401k meeting yesterday, I found out that my rate of return was WAY lower than the market. Through that, I realized that I was only invested in the safest, low return option - not something suited for someone young like me.So I switched to a target fund appropriate for me that is diversified and has a better long-term projection.I also learned about easy options that I didnt even know I had - like a Roth 401k.I feel kinda silly that I didnt look into this sooner and am missing out on a significant amount of money, but I am excited about moving forward in a much better place.The best part - implementing these changes took seconds with my online account. I might be due for other more difficult changes, but just these alone could be the largest benefit per time spent that I will ever gain.Moral of the story: Dont be intimidated by investingretirement - just learn a little more about your situation and your options.  <response>: People still make costly mistakes even when they are informed. I worked for a company for 20 years, including when they went public. We were given stock grants at the beginning and every review, depending on your review, you got a certain number of grants. They also did 100 401k match in company stock but it was restricted for 5 years. One of my co-workers had a lot of shares and wouldnt sell any of it. I talked to him about having both his employment and 401k invested in the same company being a bad idea. Well, the company went bankrupt and the stock was worthless. He lost a big chunk of money AND he was let go when the new owners took over.I sold every single bit of company stock I had for about 90 per share in my 401k the day I heard the ruling that employers cannot restrict owning company stock in retirement plans because of Enron. 