I am considering rolling over my 401K into an IRA. I have a decent amount in what I think is generally refered to as a stable value fund or fixed fund. It's currently paying slightly lower than 3%. And there appears to be little risk to the principal value. It's paid a rate relatively in line or a little higher than CD's over the many years I've held it with no fuss or muss.
Should I roll over, this fund would not be availible in an IRA. My Fidelity guy has suggested replacing it with bond funds. Specifically, PIMCO low duration and PIMCO total return. These have some management fees that are slightly unappealing. Alternately, I could do short term or intermediate index funds. All of which have some risk to NAV should interest rates go up. And I'm not seeing a huge advantage to laddered CD's?
I am temped to only roll over non-stable value investments and let the stable value ride. Any help on this one? Thanks!
Should I roll over, this fund would not be availible in an IRA. My Fidelity guy has suggested replacing it with bond funds. Specifically, PIMCO low duration and PIMCO total return. These have some management fees that are slightly unappealing. Alternately, I could do short term or intermediate index funds. All of which have some risk to NAV should interest rates go up. And I'm not seeing a huge advantage to laddered CD's?
I am temped to only roll over non-stable value investments and let the stable value ride. Any help on this one? Thanks!