最近研究了一下前401K帐号Rollover到一个新的帐号的信息,和童鞋们分享和讨论。
rollover的好处(相比于一般的401K):
1. 更多的投资选择(股票,基金,market fund, etc)
2. 自己控制portfolio
3. 有的broker提供free trade (如果满足一定限制)。
不好的地方:
1. 如果管理和投资不当,可能比401K有更大的risk。
broker公司选择:
1. merrill edge: $7/trade (30 free trades if $25000 cash in merrill edge
account and BOA account combined). Limited trading options (no trailing stop
, for example).
2. Scottrade: $7/trade. Easy to manage if you have a stock account as well,
since you can use its trading system. more trading options.
3. Etrade: Same as 2, except cost per trade is higher ($10 or $8 depends on
your number of trades per quarter).
4. Fidelity and Vanguard: Similar as traditional 401K account, but more
investment options. Cost per trade not researched yet.
Most companies offer incentives ($100, $250, $500) to rollover to their
service.
打算jump No.1 了, 看在30 free trades 的份上。