<prompt> Human: I still have a 401k worth about 40k at a job I left about 4 years ago. It is currently split over 5 funds at Merrill Lynch and is currently earning 5.18. I still have about 20-25 years before retirement, single with no dependants Currently I have a 401k at Fidelity through my new job earning 5.3. I know I should move my old account to something else, but I dont know what I should move it to. Any suggestions? Not sure if the information I provided is sufficient or relevant for informed advice, but its all I could think of.  <response>: Gigiyas Advice is very good. If you are into self directing, Vanguard is a great way to go. Read Bogleheads Guide to Investing so you know what youre getting into at Vanguard. They buck the trend of most funds so read up on them as a company to understand the kinds of mutual funds you are going to encounter over there. T Rowe Price is a good alternative, as they have low costs and more traditional beat the market mutual funds which arent necessarily better then Vanguards, just different.However I want to clarify something. Dont use the words roll over. Instead do a Trustee to Trustee Transfer. That language is super important. Roll overs are done by yourself, and you have a limited number of them per year. Also roll over implies that you will have a check cut to yourself. If you dont get that into another IRA account in a timely manner you could be hit with Fees, and Penalties assessed by the IRS. Not fun! Better to contact Vanguard directly, and have them send you Trustee to Trustee Transfer paperwork they might call it something a little different. They will contact the old 401k and have the money moved into their accounts without having to worry about making a mistake.Im not a big fan of fee only financial advisors. You can get very similar advice from a Registered Representative at one of the big Mutual Insurance companies without paying for it. They are insurance agents who also can discuss Variable Annuities, which can be IRAs. RRs are paid on commission, so expect some salesman like behavior, but if you are firm and simply say no you can walk away with some good advice...And who knows you might get in contact with one of the RRs that wants to treat you like a client whether you buy something or not. Those are the best. 