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Thanks for all the replies, you've all confirmed what I already suspected -- invest after taxes until I'm eligible for the new 401k. Not a big deal, I just wondered if there was a clever alternative -- it appears there is not.

Paul, to clarify, my rollover IRA is the sum of several previous 401k's I've had and then rolled over into a self-directed account. (I'm an engineer and we change jobs more frequently than most folks). So I will roll over my existing 401k into this fund, but I do not put new money into this fund.

Joel, that's a very clever idea. If one knows they will be changing jobs, one could pile on the contributions in the existing 401k to compensate for the gap in eligibility later on. I'm going to file that idea away for future reference :)
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