My employer offers their 401k through VOYA, and the funds available are pretty lackluster with crappy fees (thankfully they at least match up to 4%). I’ve heard of being able to invest in other funds like fidelity or vanguard through VOYA (outside of what your employer offers), but haven’t dug into this much. Any idea if this is possible? Or would it make sense to invest up to match in the one good fund they have in there (us total stock index fund - ishares) and then the rest in a Roth IRA with the international and bonds to complete the 3 fund portfolio? I can max out the 401k but with the current options available I’m hesitant.
Bonus question; Is the ROTH max $20,500 in your employee sponsored 401k, but only $6,000 in a non sponsored ROTH IRA? Or is it $6k in both? Thank you PFC community!