Quote Originally Posted by pony mom View Post
Thanks all. The traditional IRA sounds appealing to me, especially as it won't affect my income, which has been very low last year and so far this year as well. My 401K money is there for me for the future or a dire emergency so I've just left it alone when I left that job. I have no interest in learning about stocks and that sort of thing. The account I have is invested according to the time I retire--aggressive now and more conservative closer to retirement. .
you do know you can pick a Target Date retirement fund when/if you roll the money into the IRA? You can probably even find the exact same fund you are already invested in. But you'll avoid paying the employer layer of fees from now until retirement and that adds up.