I think the issue is whether the return you get from the brokerage would be better than the return you would get from the mutual funds.
My company has a self directed brokerage option too. I am considering using it to take on more risk with my 401k monies than I do in my Roths and Rollovers.
I am weary of the $20/quarter fee I am assessed ($80/year), but if I get higher returns, the fees are not the issue I consider important.
If you do not get higher returns, stick to the funds offered.
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