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As I see it I have the following options:

1. Try to do index funds under the old plan and pay 1% for the privelage.

2. Let them convert my holdings to MFS Funds (in other words sell my losing funds at the lowest point in a bear market. ACK!) And then get choked by high expense ratios.

3. Reduce my 401k contributions to the bare minimum to get the employer match and start looking for a Roth IRA with the other portion that I've normally invested in the 401K.

Does anyone out there have any suggestions on how to best solve this dilemma? Your responses would be much appreciated.


I've seen a lot of recommendations to contribute to the 401(k) to the match, then to a Roth and back to the 401(k) if money was available. So I'd do that no matter what. I'd tend to go with the old funds and the low cost indexes.
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