The only objective of a 401K is the employer match. 100% return at the point of deposit. I usually recommend that people choose an S&P mirror fund within the 401K and just leave it alone to compound. Above and beyond the employer match is where individual stocks and other investments are the best option. I split my investments 50/50 into Bitcoin and a Total Growth strategy focused on the highest growth I can find, both in terms of dividend growth and price growth. It's been going really well.