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Wife has 403b from previous employer... leave it where it is is or relocate it?
Posted on 3/14/24 at 8:10 am
Posted on 3/14/24 at 8:10 am
She has around $12k in VOO in a 403B from a school she left a decade ago, the account is at Principal.
It has been fine where it is, just wondering if we should finally roll it to an IRA where we have other accounts (Fidelity) or just let it be.
What's the general consensus here?
It has been fine where it is, just wondering if we should finally roll it to an IRA where we have other accounts (Fidelity) or just let it be.
What's the general consensus here?
5
Posted on 3/14/24 at 8:15 am to concrete_tiger
I would look at the fees and how happy you are with the investment options they have.
Posted on 3/14/24 at 8:18 am to concrete_tiger
I rolled mine into an IRA with Fidelity. For one, I like Fidelity. Two I like having as much as I can in one place for simplicity.
And the biggest reason to me is that once it is in an IRA you can invest it in whatever you want, not just what the 401k, etc offers.
And the biggest reason to me is that once it is in an IRA you can invest it in whatever you want, not just what the 401k, etc offers.
This post was edited on 3/14/24 at 8:19 am
Posted on 3/14/24 at 8:22 am to GeauxTigers123
quote:
I would look at the fees and how happy you are with the investment options they have.
Honestly I am looking at it more like housekeeping. We have 2 accounts at Fidelity already. If one or both of us croak, it just feels like it would be better for folks if it was in one place. She doesn't contribute at all to her current school's plan, they have a pension plan. I'd like to get putting $$$ into this every month again.
The school system does offer a roth IRA option, but it's with yet another bank that we don't use for anything.
Posted on 3/14/24 at 8:37 am to concrete_tiger
Fidelity and Vanguard are both really good regarding low to no fees depending on what you're trading. If you already have fidelity, I would roll it over.
It's pretty simple to do as well and settles in a few days. Fidelity will even spot you the money until it does settle the best I remember so you can go ahead and put it in whatever.
It's pretty simple to do as well and settles in a few days. Fidelity will even spot you the money until it does settle the best I remember so you can go ahead and put it in whatever.
This post was edited on 3/14/24 at 8:51 am
Posted on 3/14/24 at 9:21 am to concrete_tiger
ITrustCapital
I’ve been very happy with ITrust. It will get bashed here, but it’s a good way to allocate in gold, silver and crypto.
I’ve been very happy with ITrust. It will get bashed here, but it’s a good way to allocate in gold, silver and crypto.
Posted on 3/14/24 at 6:51 pm to concrete_tiger
Consolidation of accounts is generally a good idea.
Makes it easier to keep up with the assets.
I’m down to 4 separate accounts.
Makes it easier to keep up with the assets.
I’m down to 4 separate accounts.
Posted on 3/15/24 at 11:10 am to concrete_tiger
Before you roll it over, consider whether you’re planning to do any Roth conversions. Once it’s in an IRA it’s subject to the pro rata rule.
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