为什么不要把你的 401(k) 留在以前的公司里？

Whenever people switch a job or retire from a company, they should always rollover their 401(k) from their previous company to an IRA account with Vanguard, or Fidelity, or Charles Schwab.  They should not leave it in their previous company or rollover to their current company's 401(k) plan. 

The one big benefit by rolling over to an IRA is that you have just lowered your management fees significantly since 401(k) administrators charge a higher fee than most of mutual fund companies.  These fees are all hidden from you and they are hard to find on your 401(k) statements.

The other benefit of rolling over to an IRA is that you will have thousands mutual funds, stocks, bonds, and ETF's to choose from instead of 10 to 20 mutual funds choises with a company's 401(k).  

 

 

 

 

 

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