One of the problems with my 401K is that every choice is either some sort of stocks or bonds or a mix. I’d love a precious metals choice, but there isn’t one.
The even bigger problem with your 401k is that pretty soon the government is going to confiscate it and stick you with a government annuity in its place. Once our government finally realizes its own inevitable Greek-style funding crisis and 100% of Federal revenues are being consumed by debt service and Social Security alone, do you really think they’ll be able to pay your annuity when you want to retire?
I took the hit and completely cashed-out my 401k a couple months ago after getting laid off, rather than rolling it into another easily-confiscated financial instrument.
Our malevolent political class is hell-bent on looting every last penny of real wealth and capital out of our country, and one day middle-class America will wake up in a devastated, burnt-out shell of a country and wonder what the hell happened.