{ "media_type": "text", "post_content": "I just left Deloitte and have the option to rollover my 401k to an IRA. If I’m happy with the existing funds and there’s no fees to keep it there, is there still an advantage to rollover?", "post_id": "612911877e74ca001daa37ac", "reply_count": 3, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I just left Deloitte and have the option to rollover my 401k to an IRA. If I’m happy with the existing funds and there’s no fees to keep it there, is there still an advantage to rollover?

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Just make sure the fees don’t change once you become a separated employee. A lot of time they will charge old employees for keeping their funds in the plan.

If no change in fees, and you want to backdoor Roth, would leave.

Keep it there - I am ex Deloitte and there are no fees to keep your 401k as is. The plan Deloitte has is fantastic with all good low cost index funds with minimal fees. If you roll into an IRA, it will impact backdoor Roth conversions in future.

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