Posted by
Bradley Fan
South of Bunkie
Member since Mar 2008
1139 posts

Keeping Old 401k vs. rolling over to Rollover IRA
I would like to rollover my old 401k into an Rollover IRA so I can get it out from under the control of my former employer's plan. However, I like all the investments I currently have and I'm making good money on them. (Note, can invest in individual stocks in my old plan, which is where 90% of the money is invested).

So I guess I can just sell all my positions and then rebuy them once the money hits my rollover? I would just miss out on any gains (or losses) that happen in the gap? Is that right? Or should I just keep the money where it is? Trying to figure out the best way to handle this.

Member since Oct 2019
1652 posts

re: Keeping Old 401k vs. rolling over to Rollover IRA
Can you only add after tax to Roth IRA

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Weekend Warrior79
Member since Aug 2014
6661 posts

re: Keeping Old 401k vs. rolling over to Rollover IRA
Cannot offer any advice to your question, but you may want to check the rules for your old employer's 401(k).

My former employees had rules in place that after X months, my funds would money to a money market account within the plan. So, all of those funds you like, could become irrelevant as you may automatically have the proceeds transferred out.

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