<prompt> Human: I have two different 401ks for companies I no longer work for and can no longer contributes to. One of which has 67k in it and the other 1.5k. The one with 67k is 100 invested in the company that I used to work for. The stock is up almost 50 this year and I dont think that it will maintain its value. Id like to avoid losing money during its inevitable crash, but I dont know how to do so. Is it possible for me to combine these 401ks into 1 account, but also, change which stocks they are invested in without having to withdraw the funds?  <response>: You can roll both into an IRA and invest in mutual funds within the IRA. Rolling them over should not incur any costs, and there should be no cost associated with investing in different funds after the rollover. If you roll a traditional tax-deferred 401k to a traditional IRA there are no tax consequences - just make sure to do a trustee to trustee transfer and you wont have to deal with depositing a check or anything. 