If the fees are high, the general rule of thumb is to put enough into the 401(k) get the match, then fund a Roth IRA. If you still have more to invest continue to fund the 401(k). The fees would have to be outrageously high for you to be better off in a low-fee taxable account. The tax deferred benefit of a 401(k) and the total amount you can contribute make it better than a taxable account a vast percentage of the time.
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