Posted by MarkB_MI on October 02, 2014 at 02:41:00 from (70.194.8.31):
In Reply to: Retirement question posted by wile E on October 01, 2014 at 17:16:07:
Your own contributions to your 401k were yours when you deposited them and nobody can take them. Any employer contributions may or may not have been "vested" at the time the company chipped them in, but by now they are also yours; the laws on 401k vesting are quite strict.
If you're not comfortable with where your 401k is sitting, you can roll it over to an IRA or to the 401k at your current employer. There may be good reasons to do so, such as lower fees or better investment selections. Just be sure you follow the procedure for rollovers (which the new investment firm will help you with), if you don't do it right you'll be subject to taxes and/or penalties.
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