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Chief
There no advantage to buying at historical lows (or at least 12 month lows) if you are also selling at the same historical lows. Use whichever plan has better options and lower costs.
Pro
MD1 yeah I'm aware, completely get the premise but haven't looked into the details. Was actually excluded last year (more of a fluke/one off large bonus before switching jobs) from my Roth IRA.
For me it just doesn't seem reasonable to attempt to take advantage, at age 29 I'm 30+ (if not 35+) years from retirement, and will likely be able to contribute to Roth when I get married and for several years thereafter in addition to being able to do any Roth 401k contributions up to the limit that I want (believe most at my age would be in a similar situation...i.e. not excluded from Roth...at least in LCOL/MCOL areas, not the case in big cities).
Chief
There is no difference, other than the likely small change over the course of the couple of days the transfer is in process. Unless you’re buying a much different security, you’re selling at $X on Monday and buying back at ~$X on Wednesday.
Buying at lows is good. What, would you prefer to buy at highs?
What historical lows are you talking about? Won’t you be selling and buying at the same point from one 401k to another 401k? I don’t know what wealth builder is so can’t comment on that piece
If it is invested there is no real arbitrage. Just look at which plan has the better options and lower fees.
I left PwC 4 years ago, my retirement account and wealth builder is still with them. Almost forgot about it until I see this. 🤣