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What'da ya think? What am I missing here?

Your plan sounds good, if you're allowed to do it. Most likely you aren't. In a merger situation, you're still working for your "company". Since the new company has a 401(k) plan, the old one will be dissolved and all of your assets will be moved into the new plan.

You should probably speak with the plan administrator (or company's HR dept) about two things:
Find out if it's possible to transfer your holdings into a personal IRA (I doubt it, sorry).
Strongly encourage them to offer better investment options in the new 401(k). If they're with a large mutual fund company, it may not be too hard to at least add an S&P 500 index fund.

- LoopinFool
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