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I still have a 401(k) lurking at my prior place of employment, which I left amicably about two years ago. Since then, I've been building a modest Web consultancy, but still don't have anywhere to put my 401(k).
Worse, I had done some careful analysis on which mutual fund to put my money in; of the choices available, there was one that had the best historical trend: Brandywine (BRWIX). So I stuck it all in that---and it, to put it as politely as I can without removing the nuance of its performance, sucked as though a hole had opened into intergalactic space. It didn't take advantage of the bull market at *all*. And you can believe that it *really* bit during the Big October Plummet this year---and didn't really take advantage of the comeback. Oh, my, the odious performance.
So it's coming up to the time when I can shift my funds around. I'd love to be able to pursue an RP4+ strategy with these funds, but I don't know if there's a way I can finagle them into a 401(k) that permits that, or whether I should look into getting hold of a Roth IRA (can *that* be engineered around a RP4+ strategy?) or some such.
Any advice? I'm planning on talking with my accountant about this, but could use some guidance on some basic research before I do, so I know what questions to ask.
Thanks, all.
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