How to Avoid the Biggest Mistakes 255 If you intend to roll the 401(k) money back into a similar plan at a later date, don't commingle this money with any other IRA money. If you do, you may give up the right to roll these funds back into a like-kind plan. If you must move your present balance, and you still don't want to roll the money into your new employer's plan, consider rolling your money into an IRA. Investing Question #10:I don't like the investments in my company's 401(k) plan. Can I withdraw this money and invest it elsewhere? What options do I have? Answer:If the investment lineup within the 401(k) plan is poor, then you may want to have a heart- to-heart with the plan's trustees. Just make sure that the investments are truly poor choices before you initiate a meeting. As Crosby, Stills, Nash, and Young said, "Love the one you're with." In other words, love it or leave it. Your pre-tax contributions must go into the 401(k) plan. Instead of trying to cure the symptom, attack the problem directly. Here's a suggestion. Try to work within the system to get them to add more choices. (See Chapter 21 for more details on how to influence your com- pany's choices.) And remember: Choice, like beauty, is in the eye of the beholder. If your plan offers five to nine investments within the major asset categories, including cash, bonds, and stock, they are most likely meeting their fiduciary obligation. Investing Question #11:What is capital appreciation? Answer:Capital appreciation refers to the increase in value of your initial investment. For instance, if you invest $1,000 and your investment increases in value to $1,500, your capital has appreciated by $500. Investing Question #12:What are company debt obligations? Answer:Corporate bonds are sold to help companies meet their debt obligations . By investing in