re: VFFSX info for 401k rollover

I would roll it over to a traditional IRA. I don't think you can roll it over to a roth unless it was a roth 401k. You may can, but would have to pay taxes on it someway. But if you think you'll be in a higher taxes bracket when you retire it might be worth looking into.

Either way, in a roth or traditional you will be able to invest it in whatever you want. Where if you put in your new employer 401k you'll have to choose from what they offer.

Also it doesn't count against your IRA max for the year. Or your new 401k for the year. You'll still be able to put 6500 in that same IRA you roll it into for this year and max your new work 401k, if you want.