Originally Posted by FlyGuy2002

Within the 401k you can open a PCRA . Personal choice retirement account. Your contributions and spirits contributions can be steered into this account.
so instead of being limited to the 20+ choices the 401k allows you to chose from, within the PCRA you can buy whatever you want . Individual stocks, mutual funds, ETFs,
etc. and since it’s within the 401k it’s tax deferred. You can trade as much as you want.. buy and sell as often as you want. It’s tax deferred until you withdrawal it in retirement. I personally steer 35% of contributions into the PCRA, where I purchase stocks and mutual funds of my choosing .. call Schwab to set it up