<prompt> Human: For starters, I am not an experienced investor, which I suppose is self-evident from this question. I left a company around 2014 and had about just around 12K left in a 401K there. I hadnt been with the company long, and was not fully vested. Since that time, the fund has grown by about 5000, which is actually better than some of my other IRAs. Given the growth, I have not felt very motivated to roll it into something else. I have a couple of questions. Does that vesting percentage amount stay constant as long as I have it in there? If the fund is actually performing better than some of my managed funds betterment, futureadvisor, etc, should I even worry about rolling it over to something like that? I would be interested in recommendations of things I should be considering.  <response>: What funds are in the 401k? Its dangerous to assume that a portfolio that does better in a short 2-3 year horizon is a better allocated portfolio. If you rollover the 401k account, you can reallocate it or try to keep the same relative allocations with another fund e.g. Vanguards index funds or their own target retirement funds.That said, there isnt really a financial reason to prefer a rollover over keeping the funds in the 401k if youre happy with your 401k allocations, except that its more work for you to keep an eye on multiple accounts. I personally prefer to rollover so I have everything in one place. 