What funds are you investing in your 401K? Also, if I change the funds in the 401K by moving all current holdings into another fund, does it count as capital gain since it would sell old and buy new?

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100% S&P 500.

401k is tax sheltered, so capital gains aren’t an issue until you withdraw.

likehelpful

All trading in investment accounts is sheltered. You still have to pay commission (unless with a wealth manager)

401k has limited investment options. The big benefit is employer matching. If they don't match, it may be better to get a Roth IRA.

helpful

In RETIREMENT accounts!!! That's right

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