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<<I have three 401K's (two from past employers and one from my current). They are all in 500 index funds totaling only about $6000. Should I combine all three or does it matter? (Or can I combine all three?) >>

Considering your balance, I'm surprised your former employer's haven't forced you to take a distribution or rollover. Keeping you on the books is costing them money. If not hard dollars, at least the cost of tracking your current address.

If any of the following has an answer of "no", you may want to consider moving your old dollars either into your current employer's plan or into an IRA. If you are worried about IRA fees, then a rollover into your current employer's plan will avoid that problem:
-1- Are you comfortable with your former employers being able to locate you? (different companies have different levels of competence)
-2- Are you comfortable with your former employers not going out of business and terminating the plan anyway?
-3- Do you like the investments in your 2 old plans?
-4- Do the 2 older plans have an outside Trustee?
-5- Do you get timely statements from the 2 older plans?
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