401K 昨天收盘前全部投入small cap growth fund, 如果能保持到收盘，就能涨差不多2.5%, 对于我401K 一年10%的目标，今天应该高兴了。年前将401K 移出，( maybe refer to moving to MM fund )  没赶上年初的涨和这几天的大跌。

402K retirement account is another different from 401K restrict rules applied

You need to want it since 1% is too much! If a person's 401K stays in the small cap for 7 days or more, no such kind of fee charged for empolyees.