If employer's 401K fund choices are bad, what other retirement investment options (IRA?) should I consider?

Most 401K's are handled by a third party. If the initial choices are bad contact who is in charge of your 401K and tell them where you want that money at. an employer does NOT control your 401K the money in your 401K is YOU'RE money you get to say what it does and what it doesn't get invested into. Most are handled by Fidelity and can be played around with at http://www.401k.com

Consider Health Savings Account (HSA), Roth IRA, and tradition IRA.

HSA is triple tax-free: tax-deductible (current tax year), tax-deferred growth (year after year), and tax-free withdrawal (for medical). If you withdraw from it for non-medical expenses, the withdrawal will be taxed like a 401(k) or a traditional IRA.

Roth IRA is double tax-free: tax-deferred growth (year after year) and tax-free withdrawal (for anything).

You can have both an HSA and a Roth if you're eligible.

Neither HSA or Roth forces you to withdraw at a certain age, giving you lots of power and freedom for future wealth/tax/estate planning.

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