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Hello fishes, I got offer from 3 companies i.e ey, capgimini and hexaware with around 8 years exp and offers are almost around same with little bit variations. So needed help from you guys to decide which one will be better to join in terms of work life balance, flexibility, yearly hike and employee benefits. Really appreciate your inputs on this. Thanks in advance. EY Hexaware Technologies Capgemini
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Rollover to Vanguard IRA, invest in Vanguard index funds. No need to overcomplicate.
This
I rolled mine into a Betterment IRA. I like
how they do dividend reinvesting, which has really added a lot over years. Great app and site, too. FWIW.
Betterment is awesome!
Enthusiast
I have 1 with Voya that I’ve left there.
I’m happy with the investments and performance of the 401k so far, no intention of moving it.
Thanks for sharing - i haven’t heard of Voya. Googling…
Can move into Wealthfront IRA, I prefer managing it in there feels more intuitive compared to other financial services /apps
haven’t heard of Wealthfront..googling.
It totally depends what institution holds the account. If it is cheap/free and allows you to freely trade stocks in your account keep it there it is yours. If you don’t like it for any reason roll it over to another institution that fits your needs better, but in no scenario don’t roll it over to your next employer 401k 😅
I am using Charles Schwab, that i inherited from one of my previous employers, and I also use Betterment.
Currently with Fidelity- nothin is ever free lol
There will be a percentile charge based on amount and index
If fidelity has cheap index funds just leave there. I left an old Roth 401k in a plan I had with them and it’s fine. For future investing go into a ira or the new 401k.
The fidelity plans will be based on what your old employer is offering - if they’re crap roll it over and move it out if to ira at vanguard or something like that imo.
You could just leave it until you find a new job then roll it over into your new jobs 401k so it’s all in one place (with less fees)
Just roll it over. Easier to consolidate
If you move any, better to move it all. Each will have fees.
Leaving it might be a good approach to distributing your assets.
I use Betterment for most of my long-term investing. Picking the right stocks is just pure luck. So their index investing works for me. The rebalance, harvest losses and just make it easy to set and for the most part forget. You can also set a goal and they tell you how much you’ll need to invest to realistically meet the goal.
They charge 0.25% fee, which is very low.
Dm for referral.