Canva | GeorgePeters from Getty Images Signature and 77DZIGN from Getty Images Signature Key Points 401(k) plans typically do not allow individual stocks. This limits the ability to beat market returns. Early withdrawal penalties apply before age 59.5. Exceptions exist if you leave your employer at 55 or later. Direct rollovers avoid penalties better than indirect rollovers when changing jobs. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Am ...