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Old 10-06-2022, 07:14 AM   #21
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No call needed. I did it all through the website. The total stock fund already showed up in the Rollover IRA overnight. Still waiting for the stable fund dollars.

Employer-sponsored 401k is with Fidelity.
I also already had a Fidelity brokerage account.

It knew about the dollars that qualified for in-service transfer and let me initiate without a phone call. It automatically created the Rollover IRA acct (which didn't exist at the time)... done.


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Originally Posted by jazz4cash View Post
Excellent. Are you using the Fido website? Itís pretty good but 401k rollovers usually require a call. My 2 employer plans plus Roth and t-IRAs all show up when I login.
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Old 10-09-2022, 08:09 AM   #22
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I’m also in this situation. Most of our 20% bond allocation is my entire 401k in a bond fund and no option of in-service rollover other than a tiny slice of a former 401k rollover from 20yrs ago. My fixed income investment options to change are limited to a short-duration bond fund (2-3 yr vs 6-7 currently) or simply a money market fund. I may have to do the latter to side step further carnage. We are/were hoping to RE in the next 2-4 years.

Only other option is to put individual bonds or a stable value fund into my taxable accounts and I’m not sure if that is advisable with our high marginal tax bracket?
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Old 10-09-2022, 09:26 AM   #23
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Just opened a brokerage account within 401k and transferred bond fund (inflation protected fund, but losing 10+% so far). Brought brokered CD (3.3 to 4%) ladder the next day. Even the MM fund (earns about 2%) in brokerage account is better than SV in 401k. The only down side is $20/3 months maintenance fee, which is probably similar to SV anyway.
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Old 10-12-2022, 02:24 PM   #24
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I thank my lucky stars for:

the stable value fund in my 401k (I rebalanced to half stable value and half equities late last year)
the decision to leave the entire balance in my prior employer's 401k after I retired (and still haven't rolled over a cent)
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Old 10-12-2022, 02:29 PM   #25
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Originally Posted by Poweruser View Post
What a coincidence, today I started doing what you're proposing when I noticed my 401k stable value fund only yielding 0.17 for September.
since the benchmark for most SV funds are 90 day t-bills, they will be paying over 3% shortly, at least mine will
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Old 10-12-2022, 05:25 PM   #26
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Two of our 401Ks have either ended or limited what we can move to brokerage accounts so it is rollover time for us. All their fund choices are either losers or are earning under 2%.
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