Just left my employer and I have a choice to rollover traditional 401K into my new employer’s traditional 401K or traditional IRA. What should I roll it into? For context, I’m 28, single, in no urgent need for these funds until retirement. New employer uses fidelity.

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One caveat with rolling into an IRA. If you’re planning to ever do a backdoor Roth IRA contribution then having a traditional IRA balance will make you subject to the pro-rata rule and may cost you some money in taxes. I rolled mine into my current 401k to make the backdoor Roth process simpler

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I would make your decision based on your new employer’s plan. Some 401ks are very limiting. If you get more/better outside, roll it there. If your get more/better at your new employer, put it there.

I just rolled it over to an IRA and put it all in vti. It seems to be doing a lite better than my old 401k

I agree with the comments posted. IRA gives you more investment choices.

Roll it into an IRA and buy GBTC, thank me later

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