Originally Posted by Youngster
Same IRA account; different question. Yes, the sitting on the fence is painful, and I need to get off the fence sooner than later.
What kind of detail are you looking for other than what has already been provided?
We need the details of what your goal would be. We need answers to questions like, "Why do you want to move from an IRA to a 401k?" Is there a reason to move from one to the other, like lower fund fee's or more fund options? if there is no good reason then stay.
You will have an inevitable gap if you have to rollover and get a check cut and sent. If it's a transfer the gap would be less, but during that gap, you are subject to the risk of being out of the market which equates to one thing, if the market goes up significantly during this gap where your money is rolling over or transferring, then you would risk losing that gain. If the market declines from the time your funds settled prior to rollover/transfer then you would have the opportunity to buy likely very similar if not exact funds, at a lower price...again provided the fees are less than your current brokerage fees.
I rollover to VG each time I leave an employer, or I have I should say, because vanguard has better fund options and lower fees which to me is a good reason to rollover/transfer.
Right now I have an IRA account with a ROTH via Vanguard, then I also have my 401k with my current employers sponsor Schwab.
I also have an inactive and unused right now brokerage account in my DH name with TDAmeritrade, purely for flexibility of maintaining an Asset Allocation, that's a story for a different day.
The biggest risk you have is you rollover, the market gains 10% and never retreats again. If it gains you could wait for some more volatility to invest lower and decrease your losses during the transfer/rollover settlement time period.