retirement plans from past employers - what to do?

[Anonymous]

hi,

I have retirement (401/403K) plans from a couple past employers (collectively under 100K) . I currently have a TSP account. Should I/can I roll these old 401/403 accounts into the TSP account so they are all together? Advice for other options?

Thank you.

[Anonymous]

You can roll them into an IRA.

[Anonymous]

Roll them to an Ira at vanguard or fidelity.

[Anonymous]

Anonymous wrote:
From Stella Amah
ABIDJAN-COTE D'IVOIRE
WEST AFRICA.

Dear Anonymous

permit me to inform you of my desire of going into business relationship with you. I have the believe you are a reputable and responsible and trustworthy person I can do business with from the little information so far I gathered about you during my search for a partner and by matter of trust I must not hesitate to confide in you for this simple and sincere business.

I am Stella Amah 19 years of age the only daughter of late Mr Boni Amah whom was killed by the rebels that attacked our country cote d'Ivoire west Africa and took over our town (BOUAKE). I ran to Abidjan the economical capital of cote d'ivoire from were I am contacting you. Before the death of my father he told me that he has a sum of US$9,000,000(Nine million united states dollars) kept in a private security company here in cote d'ivoire in my name as the next of kin,

Dear, in the capacity of the next of kin and with all the documents in my hand now, I am contacting you with due sence of humanity that you will give it a sympathetic and mutual consideration.

I am honourably seeking your assistance in the following ways.

(1)To serve as the guardian of this fund and to come assist me visit the security company here to retrive the consignment.

(2)To make arrangement for me to come over to your country to further my education and to secure a residential permit for me in your country.

(3)To provide good investment plans for the fund and to manage the fund for 5 years, during the investment period,only our profit will be shared annually 70% for me the investor while 30% will be for you the fund manager annually.

Moreover, I am willing to offer you 15 % of the total sum as compensation for your effort /input after the successful transfer of this fund to your nominated account overseas, before the investments starts.and I have maped 5% for any expenses that might be incured during the course of this transaction.

furthermore, you can indicate your option towards assisting me as I believe that this transaction would be concluded within a stipulated period of time you signify your interest to assist me.

Anticipating hearing from you immediately.

Thanks and God bless.
Best Regards.
Stella Amah.

Haha!

[Anonymous]

Anonymous wrote:Roll them to an Ira at vanguard or fidelity.

Do this. Two reasons. First, the fees likely will be lower. A few tens of basis points difference in fees really adds up when compounded. Companies effectively fund the administrative costs of 401k programs through the investment management company that runs the program,which recoups their costs through excessive fees.

Second, you have a small enough amount of money that at some point your old plans will get sick of you as a client and inform you that they will be sending you a distribution unless you roll it within some short amount of time. If this happens when you can't deal (happened to us with an infant in the house) you will get hit with an early withdrawal penalty.

[Anonymous]

It's really easy to roll them over into one account at Vanguard. My brother is a financial advisor, and he suggested I do that with my old plans because they have low fees. It was a cinch and now I only have to track 2 plans - my current TSP and my Vanguard account.