It's so easy to open a super convenient "complete"

It's so easy to open a super convenient "complete" account with ETRADE, or maybe Schwab, and transfer funds into them. It's advantageous to have multiple low fee accounts. If it's a 401k or a traditional IRA it's not so simple, but if you're looking at a really good opportunity, you can borrow from a 401k at low interest which you're paying back to yourself, though it is paid back with after tax funds, but even just doubling your investment would pay off nicely since the loan can be paid off at any time in a lump sum. I have several accounts, one of which is a 401k that still allows buying RMHB and similar penny stocks, but they discourage flipping by charging high commissions and limit orders to 50k share blocks. Still fine for buy and hold on stocks with major upside growth potential.