@Wade Alderson Congratulations on your potential windfall and hope you find the cash flow properties you are looking for. I wanted to address couple of topics you raised. You speak of 401k scams and stock market scams etc, and I cant help but notice the irony as your windfall is partially if not completely because of a 401k that is worth 3mil. Are there 401ks with high expense ratio funds in them? absolutely. But as an informed investor with financial industry knowledge, you sure can find and invest in index funds with low expense ratios. You asked if any 401k's achieve 642% return over 45 years, assuming a 6% return (i think avg market returns over such time span is 7% yoy) over 45 years, you will get 1376% return. Losses can happen with any investment whether it is in stocks, 401(K) or real estate. As others have mentioned, diversifying is important. If 401k and stocks are not for you, that is fine. No reason to call them scams.
