账户的安全性 - 把401K里的钱转到IRA里的决定对吗

这几天一直在研究是不是把401k里的钱roller over 到 IRA里。和单位推荐的financial planner 聊，这是他给的建议。

1.      To Perform a Rollover or Not  

I consider this to be the no-brainer aspect. A rollover into an IRA is simply much more valuable for the reasons we discussed. 

2.      Traditional IRA or Roth IRA  

As discussed, the Roth IRA will grow tax-free for life, if you pay the taxes now on the principal. 

3.      Account Type To Utilize 

Advisory: Professionally managed account with an annual fee of 1.7%. This is a nice “set it and forget it” account. 

Rollover Annuity: Tied to the S&P 500 (or another market index) with zero fees. Your rollover amount is guaranteed. In other words, you can’t lose any money in this account. This also comes with a potential ceiling to growth. 

我对他的推荐存疑，就自己网上看了一下。 发现一个关键点，资金的安全性。就是在被债权人讨债或者破产的时候，哪些账户是安全的。，ERISA-qualified的账户包括HSA, 401k, pension, Social security.  但IRA里的钱是不被保护的 . 所以大家在转钱的时候要三思。虽然都有保险伞险啥的，那种被追债的可能性非常非常小，但万一尼？这个考虑对吗？