<prompt> Human: I have about 1,600 in a 401k from a previous job that I no longer have. Its been in there for over a year, and on the last statement I noticed they took 100 out for bank fees. I believe this is a once a year thing. The account is with Morgan Stanley.At the moment, I dont plan to be contributing to this fund in the foreseeable future. Should I leave this money alone, or should I take the penalty and withdrawal it all into my regular account?  <response>: Theres another option: roll the 401k into an IRA with a company like Vanguard. No appalling 100 fees, no penalty taxes, you can continue to contribute to it if you are able, and the money continues to grow tax advantages. Winwin IMHO. 