Dyscalculia-c here, so request no judgement on question. If I have 10k in 401kA and 20kin 401k2 , will I make more in growth if I combine them into a single 401k? A friend was trying to push this logic but it’s beyond me.

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Combine it for simplicity or because you like the investment options in one vs the other. Your friend is incorrect.

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Nope but there may be some account fees you lose. Say a $50 annual fee or similar.

Also you may get other benefits from having $>25k AUM at a single firm. E.g. If you bank at BofA and move this all to ML Edge yiu get fee waivers on certain products, at $50k yiu get fee free atms everywhere etc. Chase, Schwab and others have similar.

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Mathematically, you can show that a*((1+g)^t) + b*((1+g)^t) = (a+b)* ((1+g)^t), so no, you will not get more growth if you combine them

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