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I will try to explain my questions clearly. All of the money I have invested has been invested via 401K plans and rolledover to IRA's when I left my jobs. Because I have learned so much reading all these boards I am ready to move some money from some high cost, low producing funds. My questions are below.

1. When you roll 401K money into an IRA and then years later want to move it to another fund, is it considered an transfer from an IRA to another IRA?

I am going to move money from my 401K to a Vanguard Fund (probably Growth Index). I have $11,000 to move. I am thinking of putting $10,000 into the GI fund (to avoid the fee) and $1,000 into the Health Fund. Questions follow.

1. Can I then add to the Health Fund from money that is in another IRA (created from a rolledover 401K)or would I have to open a different Health Fund for this? I am under the impression you can't move more money into an IRA that was established from a 401K once the initial investment is made. I could put the total $11,000 into the GI and buy the Health Fund at a separate time. Would this be better?
Thank you!
cocatfan
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