At the moment, your Roll Over IRA may be invested as it is, transferred to a future employers 401K plan, or converted to a Roth IRA.Roth IRA conversion is probably the best choice. It will cost you current income taxes on the amount converted, but thereafter no further taxes are due at retirement.Roth is best if you invest for growth and expect you money to grow substantially over the years. But otherwise it depends on the quality of you future employers 401K plan and the investment they might offer.By the way, those future contributions should be to the Roth IRA too if you fall under the income limits. If over those limits, then conventional IRA becomes attractive.
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