What are the benefits of rolling over my 401K from my old job? Should I roll over into Accenture’s 401K or an IRA? I understand an IRA gives more flexibility but I am also pretty new to all this (if you couldn’t tell) and am a little overwhelmed at the idea of moving things around outside of the Vanguard Target fund.

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I would roll it over to an IRA separate from Accenture. While our investment option at Accenture are not bad, you’ll get much better selection of things to invest in and much lower fees at a place like, Schwab, vanguard, fidelity, etc.

There is zero benefit for rolling old 401k to Accenture’s plan.

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401k are protected from creditors in case you file bankruptcy it’s the safest money in case something ever goes wrong

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