I am wanting to drop my 401k for a more stable option. As since I started with it it has been losing about 15 - 20% or more. It is only about a year and a half old, so I'm not worried about the penalties. But as of right now even the proverbial pillow case would be better financially.

My question is what would be some good options for me. I know a ROTH IRA is a decent option but I am less knowledgeable on this and am asking honest opinions and options. If it matters, I am 26 and would start at about $3000 to $5000 per year.

The dealership owner does contribute to the 401k, but not a set amount and it's only once a year. And I don't know if he would contribute anything if I strayed from the pack... but I am currently losing more per year than he contributes anyways, so it doesn't really matter.

What sucks is that I am also saving up to have a decent down payment on a house in about 4 years, and it looks like I'll be looking at about 18% interest by then... bastards!

As always, any help and honest opinions are greatly appreciated.

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