Greetings, Mergeranski, and welcome. You wrote:<<two years ago i rolled over my 401k to a Rollover IRA Account with a mutual fund. i now want to transfer this to Waterhouse and self-manage it. (i have already determined that a Roth IRA will not be the best for me.)question: do i transfer A) to another Rollover IRA or B) to a plain-vanilla Traditional IRA?>>It's really the same thing. A rollover/conduit IRA is a traditional IRA. It's just an IRA that consists solely of money transferred from an employer's qualified retirement plan. As long as that's all the money in that IRA, it and any earnings thereon may be transferred in the future to a new employer's plan. Add any other money like an annual contribution, though, and then it becomes a "plain-vanilla Traditional IRA" that is no longer eligible for transfer to a new employer's 401k plan. So, it you think you may want to do that in the future, just don't add any other money to that IRA.Regards..Pixy
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