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>> Hi. I started a new job 6 mos. ago, and the 401(k) at the new company allows me to self direct everything through Schwab for $75/year. I'd also like to roll my previous 401(k) balance to my new 401(k).

Since I can completely self direct, would you recommend doing the RP Variation with my 401(k)?

I'd say it depends on how much you have in the account.

If we assume, on average, that three stocks in the RP4 turn over, that's six trades per year -- probably $180 with Schwab assuming this account has similar $30 trades as their other accounts.

That means you're paying $255 per year to Schwab in total. With a $10,000 account, that's 2.55% per year -- on the high side but still arguably better than your plan's index fund. If you had $50,000, that cost falls to 0.51%, which (IMO) would make it definitely worthwhile. If you had $5,000, on the other hand, forget it; your expenses would be more than 5%.

The more your 401(k) portfolio is worth, the more it makes sense to self-direct them in this case. Personally, I'd say the "decision line" would be at around $10,000 given the relatively high trading costs.

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