I haven’t checked this for a while so my information was stale. It now looks like roll-over got the same protection in 2005.
Good 401ks have institutional shares in mutual funds that offer the lowest management fees. I don’t know if this can be replicated in your personal roll over accounts.
Another consideration is that under the current tax laws it is probably more advantageous to do your fixed-income/money market investing in tax deferred accounts and equity investing in taxable accouts. Under this scenario, investment options in tax deferred account are not all that important.
