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In a self-directed IRA you would have complete control over which funds to invest in. Additionally, you would have the ability to purchase stocks.

There is very little advantage to leaving it with your present employer, unless you are in mutual funds which have a load of some kind. But, since you weren't specific, I cannot address that issue.

Be advised that there are tax issues if you transfer the money incorrectly. It is not difficult to do it the correct way, but do your own research.
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