Putting money in 401k with very limited investment options vs buying etfs in brokerage account.

[u/kujorocks]

I work for a company that gives 3% of our salaries into 401k whether I contribute to 401k or not. I am in my late 30’s and I have been maxing out for most last 5 yrs. The investments in 401k are not cheap. The cheapest and only option we have is Fidelity Total stock market fund. The rest are target funds which i have no interest in it. Does it make sense to just put that savings into brokerage account and use ETF like SCHG and save there instead of contributing to 401k? I understand the tax benefits of 401k but thinking getting better returns and better options to invest might offset the tax benefits.

[u/CryptidHunter48]

If you think you’re good enough to not use the standard flow chart for money options then you’re good enough to figure the math for this out on your own. If you can’t figure it out on your own, then you should be using the standard flow chart