No. of Recommendations: 1
Get your money out of Paypal. It is an unregulated bank and you are taking more risk than you realize.

Since you 401K is at Fidelity, have you considered opening a brokerage account at Fidelity? You can household in your 401K for commission level. Fidelity's money market fund is 4.43%. You can also obtain checks for the account.

It is normal for 401K balances to be variable. The fact that you attribute that to your ex-employers stock implies that your holding are concentrated in your employers stock. Look at diversifying out of company stock. Since you are over 55, the restrictions on sale of company stock that was received as company match should have expired. There maybe special tax treat for employer stock that is distributed from a 401K. The tax board would be a more appropriate place to ask.

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