Originally Posted by Sly

Many years ago I had a 401(k) managed through an employer and a Roth IRA managed by me through Vanguard. I had the exact same stocks, with almost the exact same quantity of stocks.

My Roth IRA slaughtered the 401(k). This is when I learned a valuable lesson that most people never learn and I wish would...

Your 401(k) manager is likely killing you. Get away from them if possible. Pay attention to fees. Fees will make a difference you would not believe until you sit down and do the math. It's massive. The difference between a great retirement and a modest retirement supplemented by Social Security.

Ramit Sethi has some good material about fees.