[quote=Diego Mamani]Call Vanguard and put roll all the money into an IRA, with 100% of the funds going to either the Vanguard 500 fund (mimics the S&P 500 index), or a “target retirement” fund based on your spouse’s (or your combined) expected retirement date. The latter choice maybe less risky; both have low fees.
The main choice is whether to go for a regular rollover IRA, or a Roth IRA. There’s no right or wrong choice. I suggest the latter, pay taxes now, and don’t worry about them when you start withdrawing in the future.
There you go, low cost, moderate risk, and you can leave the money on auto pilot.[/quote]
Vanguard charges a monthly fee if your account is below a threshold. I forget what, but $5000 if I recall is below the threshold. If you’re thinking just about an an s&p 500 index, i think schwab offers a comparable fund with slightly lower fees than vanguard’s 500 index fund.
