<prompt> Human: I have a traditional 401k from a job I left about six months ago that Ive been meaning to roll over to an IRA at Vanguard. I dont want to leave it where it is for too much longer because of the high fees for what is basically a SP tracking fund 1.2. One of my coworkers recently mentioned I shouldnt roll it over until the market goes back up. Is this accurate? Is rolling over the same as selling the fund at a down price? Sorry if this is a stupid question, but Ive never done a roll over before.  <response>: Your coworker isnt making any sense. Youll be rolling the shares in your 401k into the same or similar shares in an IRA. It doesnt matter whether the market is up or down because the value of those assets will be the same no matter where theyre held. 