1. To Perform a Rollover or Not
I consider this to be the no-brainer aspect. A rollover into an IRA is simply much more valuable for the reasons we discussed.
2. Traditional IRA or Roth IRA
As discussed, the Roth IRA will grow tax-free for life, if you pay the taxes now on the principal.
3. Account Type To Utilize
Advisory: Professionally managed account with an annual fee of 1.7%. This is a nice “set it and forget it” account.
Rollover Annuity: Tied to the S&P 500 (or another market index) with zero fees. Your rollover amount is guaranteed. In other words, you can’t lose any money in this account. This also comes with a potential ceiling to growth.
我对他的推荐存疑，就自己网上看了一下。 发现一个关键点，资金的安全性。就是在被债权人讨债或者破产的时候，哪些账户是安全的。，ERISA-qualified的账户包括HSA, 401k, pension, Social security. 但IRA里的钱是不被保护的 . 所以大家在转钱的时候要三思。虽然都有保险伞险啥的，那种被追债的可能性非常非常小，但万一尼？这个考虑对吗？
1. To Perform a Rollover or Not？你是刚换了工作？还是刚退休？为什么要roll over?
2. Traditional IRA or Roth IRA？如果你的401K里面的钱是pre-tax, roll over to ROTH IRA 是要算成收入，要交税的。roll over to ROTH IRA最好在你收入低的时候做。不是什么时候做都是有利的。
3. Account Type To Utilize？ 大多数的active managed fund其实收益还比不上被动投资的指数基金，而且an annual fee of 1.7%太高了。 被动投资的Fidelity 500 Index Fund (FXAIX)指数基金expense ratio 才 0.02%, 甚至还有expense ratio免费的指数基金。