Start a rollover IRA
If you have to leave a job, open a rollover IRA with your bank or brokerage firm and transfer the funds from your 401(k) account.
A rollover IRA offers you all the tax benefits of your 401(k) account and is subject to the same early withdrawal restrictions. The difference is that it offers you an extremely wide range of investment choices. You can choose to invest in bonds, stocks, mutual funds, exchange-traded funds, real estate investment trusts or any security that you want.