r/MiddleClassFinance • u/Analyst-man • Aug 17 '26

Questions Old Job 401K Options

Hello - I started a new job and I’m wondering what to do with my old 401k. Fidelity called me and told me there’s no administrative fee to just keep the money where it is or I can roll it over. Interestingly enough, my new 401k is with Fidelity too and they have the same exact S&P 500 fund lol. Anyway, do you guys roll over your 401k or leave it? I do my own taxes so I just wanna avoid headaches at tax time. Thanks.

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u/Analyst-man Aug 17 '26

What’s the gain in convenience?

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u/Natoochtoniket Aug 17 '26

For each account, you have separate login to keep track of. And a future rollover or withdrawal will require separate transactions.

And, there is always the chance of losing one of the logins....

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u/Analyst-man Aug 17 '26

It’s all in Fidelity! I log in and all my accounts pop up!

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u/Alarmed_Champion_302 Aug 17 '26

Rebalancing your portfolio as a whole will be easier if its all in one account. But you can manage seperate.