The non union 401 K plan recently added some investment options. I don't know for sure but I'm guessing the teamster 401 K plan may mirror the changes the non union plan makes. If so check out the emerging markets option. Its paying 63.79 percent year to date. I'd be thrilled with half that. there is also a real estate option. I'm seriously thinking about rolling a portion of my plan into that since I expect the real estate market will turn around within the next year. all is my opinion. do your research. its always wise to diversify just in case.