I have two IRAs (OPTFX and ANWPX), which I have had since the 1980s. I am not unhappy although I would not choose to buy these funds now they were pretty good funds for a nonknowledgeble person at the time and probably would not be saved at all if not invested at the time.An approach I take is if I have a holding that I would not buy today, I should not be holding it in my portfolio.If that is the way you feel about your two IRA's, you should evaluate whether or not you should still be holding those funds. I am not familiar with OPTFX or ANWPX so I cannot comment on them directly.Where are these IRA accounts being held? Do you have the option to invest in other funds within those existing IRA accounts? You may be able to sell your current positions in these funds and just buy new funds within the existing IRA accounts without transferring to your TSP account.dt
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