<prompt> Human: I have an old 401k from a job I left about 4 years ago. I keep making attempts to roll it over into an IRA but I stop myself because its been growing 6-12 a year since 2012. Thats more growth than my other 401k or IRA has been seeing, especially when the economy was shit. Am I doing the wrong thing?  <response>: Well youre not necessarily doing the right thing, barring some special feature of the 401k all fees paid for by employer or something. Youre essentially trying to time the market.Whatever funds your 401k are in are likely available to you with an IRA, or at least a substantially equal option is available. If your old 401k is doing better, its not because its some special 401k, its because it just happens to be invested in funds that do well. If you invested in those with your IRA it would have returned the same thing.Besides, 6-12 since 2012 is nothing to brag about, and is downright bad if you happen to be young and invested mostly in stocks. The SP 500 went up 16 in 2012, 32 in 2013, and 14 last year. Thats a 74 increase in 3 years. 