 So the money goes out of the 401k into an IRA. Again, very important, no taxes. Then you can invest it as you see fit. You can invest it in an investment plan or a combination of investment plans, or you can just keep it in CDs, or you just keep it in a money market account. But you can pull that money away from your company 401k plan. Many people like to do that. Many people are not satisfied with the options their company's 401k offers them, and they like to have options.