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Hello! I've recently become Foolish and spent several hours today reading the posts, but haven't found exactly what I need...

I'm self employed and have recently (hastily - tax time...) set up an SEP-IRA at a bank at a pitiful interest rate, which I'd like to transfer to a broker and with which I intend to start a Foolish Four plan.

I also have a Credit Union IRA earning a terrible rate as well that I'd like to move into a Foolish Four plan.

Are there any compelling reasons to leave that poor-performing money where it is and start the FF plan with "new money?" They only total about $3.5k.

I have substantially more (~25k) in an existing 401k plan from a long-ago former employer, currently in several mutual funds. Can I move this money into some other "vehicle" without getting hammered? Or am I limited to just maneuvering within the confines of the Plan?

Any information or pointers to information would be appreciated.

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