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REDDIT

New job, start new 401k or roll old into new and keep building?

T
Jan 13, 2026 · 00:11

Curious if I should roll my 401k into an IRA and restart a new one with the new company, or roll my existing balance into my new employers and keep adding to it? I can't recall the name of their provider, but I've been very satisfied with fidelity handling my current 401k.

I dont want to leave a lot of money on the table if there is a difference.

Numbers wise im at 210k 39YO 100% in fxaix. I plan on getting the match with my new employer, but not going above that till I get debt knocked down to 0$