With a brokerage window, investors will have to pay a commission on trades, so costs on regular, paycheck-to-paycheck contributions may add up. Investors should make contributions periodically or look into commission-free funds available on the brokerage platform. [Six Popular Commission-Free ETF Trading Platforms]
Alternatively, savers may also redirect a portion of the money into an IRA instead. The adjusted gross income limits to contribute to a traditional, tax deductible IRA for taxpayers who take part in a workplace retirement plan are $70,000 for singles and $116,000 for married couples who file jointly. For Roth IRAs, income limits are $129,000 for singles and $191,000 for joint filings.
For more information on ETFs in 401(k)s, visit our 401(k) category.
Max Chen contributed to this article.