Back in the 00s, I asked two separate companies I worked for if they'd set up some sort of precious metals fund for our 401(k)s. I got laughed at both times both by the upper management and the "investment consultants".

I'd be a multimillionaire several times over if I had been able to invest my cash the way I wanted back then.

However, that was one of the initial incidents for me that started me on the path to actively ignoring "experts"