r/401K

I’ve been getting more into investing over the past few years and learning a lot about portfolio management, especially with long term accounts like 401ks.

Something I’ve noticed is that a lot of people kind of set it and forget it,which is totally fine but sometimes those accounts aren’t really optimized based on things like fees, fund overlap, or risk level.

I’m curious how often do you guys actually check or adjust your 401k? Do you just leave it alone, or do you actively rebalance / change allocations over time?

Also, has anyone here ever found out their 401k was underperforming just because of how it was set up?

Not trying to sell anything or manage anyone’s money, just genuinely interested in how others approach it and what’s worked (or hasn’t)

I have around 15k sitting in an old traditional 401(k) from my previous employer. What are the best options? Is rolling over to an IRA then converting to Roth a bad option, or should I just roll over to my current employer sponsored 401(k)? Any other advice? Thanks!

Hello-

I have a 401k from an old employer that I’m thinking of rolling over into an IRA with Robinhood. There is a 3% match (with Gold). I plan to rollover about $100k, which accounts for a $3k match bonus (basically free money). There is a 5 year vesting period, which is fine for me.

I plan to invest that money in ETFs for 5 years and then move it to a Fidelity or Schwab for longer term.

Is there any risk in this or a reason not to do it?

Hey can someone help me calculate how much percentage I should take from my state, federal taxes and penalty withdrawal. I got laid off and I’m looking to withdrawal 45,000 I live in NY and my salary was 81,300 but was only paid till March till I was laid off. I received a lump sum severance pay of 25,015 (before taxes) and potentially might receive unemployment but that’s not guaranteed.