What would you do with your traditional 401k after leaving an employer if you’re trying to minimize taxes. I don’t expect to be in a higher tax bracket in the future because I’m plan to retire early

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Transfer it over to your new employer, or roll over to your traditional IRA.

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Leave it where it is, roll it into a 401k at a new employer or roll it into an Ira. None of these should impact taxes. If you use a backdoor Roth IRA I would suggest not rolling the traditional 401k into an ira. You will have tax if you convert any of the traditional to Roth or with draw any

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That’s exactly what I was thinking. Guess I’m leaving it. Thank you for the confirmation!

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That is a good idea as long as the current 401k allows it and the expenses and fund options are good. If they charge a high fee for a non employee to keep it there, I would give it more thought

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Check out the mutual fund fees. I rolled over to fidelity to get the zero fee funds. My 401k was at fidelity so rolling it over my index fee funds went down since the employer wasn’t huge and didn’t have fantastic low fee total market index funds :-)

If the new employer has similar options and fees, I would probably roll it over. Having one 401k is just simpler than having 2. Not a big issue either way.

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Dumb question but how do you find out the fees of the old plan for non employeesv

There should be a summary plan document that would say. Or just ask someone in benefits

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Roth 401k or regular 401k?

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