<prompt> Human: Ive changed jobs, and have a good amount in my 401k. There are no fees for leaving it there, and the target retirnement fund I have my money invested in charges very low fees. Is there any real benefit to rolling it over into a personal retirement account? Even the low cost vanguard funds have slightly higher fees than my current investment. I think my previous employeer just got good rates due the number of employees investing.Just looking for some insight. I have a general idea of how it works, but maybe im missing something.last minute addition: A few weeks after I quit the company that handles my 401k called me about rolling over into a personal fund with them. My skepitcal brain, says that if they made more money where my funds are currently residing, then they would not have called.  <response>: If the fees on your investments are the lowest you can get, leave them where they are. Dont fix what isnt broken. 