Left JPMorgan recently . Should I roll over my 401k into my new employer's 401k, roll over or to Roth, or leave as-is? DT is Vanguard, new one is Fidelity, if that matters at all.

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There’s no real benefit to rolling it over to your new 401(k) aside from 1) convenience of having everything in one place; and 2) if you prefer the mutual funds in your new 401(k) to the old, then you can access better MFs with more money, otherwise there’s no explicit benefit. Rolling the funds to an IRA, however, gives you the ability to manage the assets yourself if you’d like to hold concentrated stock or ratchet up the risk (which you’re limited in doing in a employer sponsored plan). Rolling over to an IRA is really easy, JPM and your new firm do most of the paperwork for you.

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