1. To Perform a Rollover or Not
I consider this to be the no-brainer aspect. A rollover into an IRA is simply much more valuable for the reasons we discussed.
2. Traditional IRA or Roth IRA
As discussed, the Roth IRA will grow tax-free for life, if you pay the taxes now on the principal.
3. Account Type To Utilize
Advisory: Professionally managed account with an annual fee of 1.7%. This is a nice “set it and forget it” account.
Rollover Annuity: Tied to the S&P 500 (or another market index) with zero fees. Your rollover amount is guaranteed. In other words, you can’t lose any money in this account. This also comes with a potential ceiling to growth.
我對他的推薦存疑，就自己網上看了一下。 發現一個關鍵點，資金的安全性。就是在被債權人討債或者破產的時候，哪些賬戶是安全的。，ERISA-qualified的賬戶包括HSA, 401k, pension, Social security. 但IRA裏的錢是不被保護的 . 所以大家在轉錢的時候要三思。雖然都有保險傘險啥的，那種被追債的可能性非常非常小，但萬一尼？這個考慮對嗎？
1. To Perform a Rollover or Not？你是剛換了工作？還是剛退休？為什麽要roll over?
2. Traditional IRA or Roth IRA？如果你的401K裏麵的錢是pre-tax, roll over to ROTH IRA 是要算成收入，要交稅的。roll over to ROTH IRA最好在你收入低的時候做。不是什麽時候做都是有利的。
3. Account Type To Utilize？ 大多數的active managed fund其實收益還比不上被動投資的指數基金，而且an annual fee of 1.7%太高了。 被動投資的Fidelity 500 Index Fund (FXAIX)指數基金expense ratio 才 0.02%, 甚至還有expense ratio免費的指數基金。