Pooled investments that hold hundreds of different stocks.

The short answer is , but it depends entirely on your employer’s plan design. 1. The Standard Path: Curated Fund Menus

Hands-off options that automatically adjust their risk as you get closer to retirement.

Most traditional employer-sponsored 401(k) plans provide a limited menu of about 15 to 30 investment options. These typically include:

In these standard plans, you directly purchase individual tickers like Apple or Tesla.

Low-cost funds that track major benchmarks like the S&P 500.

Can You Buy Individual Stock With Your 401(k)? What You Need to Know