Just last year I started 2 ira accounts of my other cause I wanted to see which one would do better, though i started them at separate times, so one is currently ~$300, and th3 other ~$2000, I probably won't max out 7k. As the title says I thought my employer 401k was invested in the market, but turns out it just has been in a cash reserve, which still isn't bad since it still gets a dividend, my question though is that, if I rollover the 401k into one of my other accounts would that count towards the 7k? Or since its already in an ira account, it won't count towards the limit, silly question, but it's something I'm not sure about and would like clarity.