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Advice on rolling 401k to IRA requested
Old 04-13-2015, 10:25 AM   #1
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Advice on rolling 401k to IRA requested

I intend to roll my 401k to IRA.

When I retired I started periodic withdrawals from my 401k under the separation during year of turning 55 rule. My employer's plan required that I establish a duration for withdrawals and not change it. Ever. Changing it requires immediate total distribution of the remaining funds.

Since I established a withdrawal duration that would result in depletion by age 70 (I do not want to do that), it is time to roll over to an IRA.

I have looked at Vanguard and Fidelity for fund costs. Current 401k is with T. Rowe Price and fund fees are 0.57%.

Currently invested in three target date funds: 2005, 2010 and 2020. This results in current AA of:
Stocks 57.15%
Bonds 40.76%
Cash 0.79%
Other 1.29%

I am interested in Vanguard Wellesley or Wellington funds.

I am interested in low fees and diversification.
Any thoughts or advice?

Thank you.
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Old 04-13-2015, 10:31 AM   #2
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I have Vanguard and Fidelity. Both have low fees, Fidelity has a brick and mortar nearby and does more hand holding.
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Old 04-13-2015, 04:02 PM   #3
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Thank you.
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