Should I rollover 401k into new employers plan or into my IRA through e-trade? Looking to just coast in a target date fund/index fund for now

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Don't roll it into an IRA if you think you will ever hit the income limitations for IRA contributions and plan to 'backdoor' Roth IRA contributions in the future. The Pro Rata rules will cause you problems down the road.

Don’t roll into a new employer 401k. Really limits your options

@SM1 Couldn’t you just open up an additional IRA used solely for backdoor Roth transactions when that time comes?

@HC1 no, thats called tax fraud.

Good to know :)

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