For the retirement plans that do not allow for a Self-Directed investment option, you may be able to do an "In-Service Rollover IRA ". By doing this, you can transfer your current company's retirement funds to an outside investment, even though you are still employed.
You may be under the assumption that you can't touch your retirement account until you're no longer employed and have at least reached the age of 59 1/2. However, your company's plan may allow for this option even though you are still working.
