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Thanks for the quick replies! I really appreciate the well thought out information.

Ok, I should clarify my current situation. I have 3 pools of retirement funds from my previous employer: 401(k) at Fidelity, a deferred profit sharing plan, and a retirement plan.

I'm happy to leave the 401(k) where it is at the moment since I still have control over the assets. It's the DPSP and RP that I want to roll over into something with a little more control and security.

I really don't want to actively manage my entire portfolio. There are some aspects I do want to manage (I have some stocks in a brokerage account I inherited from my mother, etc.), but the DPSP/RP is something I would rather put away in a long term investment which won't require a lot of my time.

Aside from the Vanguard Target Retirement accounts I am considering putting the assets in an index fund. I fully understand and believe in the foolish notion that fund costs are more relevant than yields, and want to put more of my assets into an index fund (I do have some there now). The question then becomes which index fund? I like Vanguard for reasons stated before, but I already have an account (401(k)) at Fidelity. I current don't have an account at Vanguard.

So, I plan to roll the DPSP and RP into an IRA. The question is where (Vanguard or Fidelity), and after that, which fund (which would likely also drive the where answer). This is where I don't have enough info, and am not sure where to get it.

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