Are the fees lower in your 401(k) than in your IRA? Would you like all your retirement dollars in one pot? Do you prefer your 401(k)'s investment options?
If the answers are yes, yes, and yes, a roll-in could make sense, says Kevin O'Fee, a defined-contribution management executive at Fidelity.
First, find out if your plan permits it; about half do. (You can't add a Roth IRA, though.) Then think about when you want to get at the money.
You can make penalty-free withdrawals from a traditional IRA starting at age 59½; not all 401(k)s let current employees do that.
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