<prompt> Human: Ill be 55, and retiring on a pension. My take home will be about 4100 a month, NY state tax free. I wont be paying my health plan costs either. My 401K and 457 plans combined will be at about 350K I estimate. Right now theyre in fairly safe things, in a plan run by Prudential.We my husband and I have no debt other than the mortgage on our house. We owe around 100K, and our monthly payment we actually pay bi-weekly is about 2K, including our property taxes. Heres my question: Im debating leaving my 401k 457 money in Prudential, but Im not sure if thats the best place or if I should move it to another companys group of funds. From what I read my only options were to roll it into an IRA? if I put it elsewhere I guess its subject to taxes. My plan is to not touch this money: my husband is younger than I am, and he is not retiring yet he earns about 90K a year. I am not taking an option on my pension, so if I die before him, my payments stop. My thoughts were that hell inherit the 401K457 and what is a mostly paid off house. I tell him do what you want, just dont remarry. The free health plan would stop then. :So bottom line: should I leave my money where it is now with Prudential and maybe be a bit bolder with the investments? Obviously once I retire I wont be making any more contributions, other than letting the earnings churn in the account. I also plan on collecting social security as soon as I can, at 62. For anyone whos wondering how someone can retire that early: government and a contributory pension. When I was 30 and had already been working for 8 years, I was able to buy into a 2555 25 years of service and age 55plan. It was not cheap, but now that Im older, I think its the best thing I ever did.  <response>: From what I read my only options were to roll it into an IRA? if I put it elsewhere I guess its subject to taxes. This is true, but for your purposes rolling the 401k into an IRA would function the same as keeping the 401k. The difference is that with the IRA you wont be paying any account maintenance fees and youll have a different likely better selection of mutual funds.Im not sure if thats the best place or if I should move it to another companys group of funds.Thats really up to the following questions... Is Prudential going to charge you maintenance fees? Are you happy with the fund selections and investments youve made under the plan?If youre going to get hit with fees to keep the account there, or you dont like your current funds... Im a big fan of Vanguard as an alternative. Check out the side-bars Long-Term Investing Start-Up Kit as a starting point for what a good portfolio of mutual funds should look like, what the impact of load and expense ratio on returns means for you, and then go from there.edit: My thoughts were that hell inherit the 401K457 and what is a mostly paid off house.I think this is a really great plan, and it sounds like you two have done pretty well for yourselves! Good job! 