I went to a brokerage account years ago for the reasons you listed. Index ETFs that match what TSP offers are available with similar low expense ratios. My broker doesn't charge commissions. I am not limited in the number of trades per month. Plus many many more investment vehicles are available to choose from. In summary the argument
for is more freedom and more choice gives you the opportunity to make more money. The argument
against is more freedom and more choice increases the risk of losing more money.
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