(11-01-2017, 09:53 PM)jagibelieve Wrote: That's a matter for your company, not the government.  I have in the past taken the 401k offering from employers only if they matched my contributions.  My last employer as well as my current one offer a 401k, but no matching.  I stayed away from both plans since my investment options were limited.

Instead, I have both a Roth and a Traditional IRA that I contribute to and manage myself.  My retirement nest egg has grown more significantly than it would have had I stuck with employer-sponsored 401k's.