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"I recently left a job and put about $15K from my last employers 401K into a standard IRA Rollover acct. with an on-line broker."

"I'm not employed now, but likely will be within 6-9 months or so and hopefully will be able to rollover the rollover IRA into my next company's 401K plan."

In rolling back into a new employer's 401K, you should take a very good look at the company and at the 401K plan they offer. Some company plans do offer some very good investment funds and do pick up some of the investment costs but some firms offer very limited investments.

An IRA with a discount broker like Waterhouse does not charge a maintenance fee and you have a very large variety of investment choices.

I am also concerned with the financial history of small firms. It has happened that some firms have misused the 401k - went out of business and not only did the employee lose their jobs, they lost their 401K.

There are a few advantages to rolling back into another company's 401K but I would be hesitant to do such with my own retirement IRA.


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