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Ask an Advisor: I’ve Been Saving in My 401(k) for 16 Years but My Company Doesn’t Contribute. Should I Invest Elsewhere?

calendar_today August 17, 2026 person Jeremy Suschak domain smartasset

I have had a 401(k) for the past 16 years with modest gains. My company doesn’t contribute any match. Does it make sense to discontinue my contributions and put the money in a different investment?

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Ask an Advisor: I’ve Been Saving in My 401(k) for 16 Years but My Company Doesn’t Contribute. Should I Invest Elsewhere?