<prompt> Human: Ive recently taken a new job, and they have a great 401k program that will match my contributions, up to 4 of my salary. The 401k includes a target retirement fund. Awesome, right? My problem is that I also have an IRA with a target retirement fund, so... Im thinking of rolling this over into my 401k. Ive built a portfolio with my companys 401k, and my current IRA fund, hereI feel that most people would think rolling over to be unwise because of diversity and expenses, but this doesnt really apply in my case. Would it be dumb for me to roll over my IRA, or is this a good move? Thanks in advance. Income: 66k Account type: 401k IRA Debt: 2,700 CC debt 23.99 APR will be paid off within 3 months Other savings or investments: 17,037.90 in my IRA  <response>: I wouldnt recommend transferring from an IRA to a 401k. When you transfer money to a 401k, you lose control of it. Your employer can switch to a crappy high-fee provider tomorrow and all the money youve saved is now stuck with the horrible plan. The only way to get money our of the 401k is when you leave your employer. Once you have the money in an IRA, its yours to control and move about as you please. 