I’m going to talk to vanguard to see if I can roll them into Vanguard accounts.
If not, my vanguard accounts have access to the Admiral Shares version of the index funds, regardless of how much i’m invested in those funds.
I think i meet the minimum account requirement to qualify for Admiral shares for any of the major indexes.
So for small cap, it would be VSMAX with a 0.06% expense ratio
versus 0.05% for the institutional…. I’m going to check if I can roll into my old 401k/roth401k. but I doubt they will allow that…
Smaller companies, I just don’t trust the plan administration, so I don’t mind pay a little extra expenses to keep them in my own accounts. It does makes backdoor roth iras nearly impossible.
Also, some states have reduced creditor protection for IRA versus ERISA style plans (like the 401k)…In CA, rollover IRAs have the same protection as ERISA plans, at least as ruled by an appellate court in McMullen v. Haycock. I don’t know if that’s one other reason to keep rolled over funds separate…..you know, planning for the worst case scenarios ….
