[quote=plm]I’ve come to the realization that deferring taxes into a 401K is shortsighted and I’m probably going to end up paying an even higher rate when RMD kicks. Just switched to a Roth 401k instead but it’s too late, having maxed out contributions to 401k for a long time already.

Fidelity 401ks have something called brokeragelink where you can invest into whatever you wish. That seems a better option than rolling into an IRA since you can still do a backdoor ROTH this way.[/quote]

The brokerage link option for Fidelity is only available if your 401k plan allows for a self directed plan. I have a Fidelity 401k from a previous employer and one from my current employer.

My previous employer’s plan allows for self directed investment via brokerage link.

My current employees plan doesn’t.

If I could roll money over from my current plan to my previous one, I would. But can’t do that too.

The fund selection is also better in the previous plan. Although Fidelity administers, most of the funds are institutional vanguard index funds with very low fees….