I have a 401k in an employer sponsored plan hosted at Vanguard. I am no longer employed at this company nor have been for a while now. Recently, I began doing some homework on how my money is invested within this plan and found that the 2 funds in which I'm invested: [VTIVX: Balanced asset target retirement | 1Yr = 15.52% 5Yr = 9.09% | Expense Ratio = 0.18%][VWIGX: International Growth Fund | 1Yr = 22.39% 5Yr = 8.34% | Expense Ratio = 0.48%] are not performing as well as other funds in the Vanguard line up with expense ratios similar to VWIGX.Unfortunately, the funds I'm interested in are not offered through my old employer's plan, leaving me with a few choices. Here are my choices:Do I:Do nothing... Nah...Roth ConversionPay taxes now on money going into Roth which is then tax free when withdrawn.Tax rate now is probably lower than later in lifeCan then invest in any Vanguard fundIRA ConversionPay no taxes now when funds are transferredPay tax upon withdraw, likely at a higher rateCan invest in any Vanguard fundVanguard Brokerage Option / Keep in 401k $40/year maintenance feeCan invest in any Vanguard fund w/ no transaction feeCan invest in any stock for a $7 commissionContributions treated as if in a 401kI currently have a brokerage account at Scottrade at the same commissionI'm leaning toward the Roth conversion, but wanted to see what you all think. As always, thanks for the knowledge. -K
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