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Posted on 12/18/25 at 11:11 am to mule74
quote:
I was unaware of that. But even if you can, why would you? It’s such an advantage to have the freedom to invest your portfolio.
This is very common for people who do back door roth. Otherwise they killed by the pro rata rule.
Posted on 12/18/25 at 12:42 pm to H2A2
I like the flexibility of rolling over into the new plan. Assuming you have access to decent funds in said new plan. Rule of 55, later RMDs, plan loans in a crunch.
Posted on 12/18/25 at 1:15 pm to gpburdell
quote:
pro rata rule
I thought I understood this, but apparently not.
This post was edited on 12/18/25 at 1:31 pm
Posted on 12/18/25 at 1:26 pm to FieldEngineer
...
This post was edited on 12/18/25 at 1:31 pm
Posted on 12/19/25 at 7:25 am to mule74
quote:
was unaware of that. But even if you can, why would you? It’s such an advantage to have the freedom to invest your portfolio.
My plan offers index funds with fees below .01% and has a brokerage option so I can buy basically whatever I want.
I already pointed out the backdoor Roth issue, and others have added loans and age 55 withdrawals.
Lastly I’ll say this - most people are terribly emotional investors. Rolling it into an IRA for “flexibility” costs those people dearly.
Posted on 12/19/25 at 8:22 am to slackster
The average investor is not going to beat American Funds or target date funds. They are too emotional like you said. Riding a tech wave with +70% exposure that could reverse fast (regardless of solid sector fundamentals) because same investor psychology drives market prices.
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