<prompt> Human: Basically, I reallocate my 401k investments every quarter. Ive got a friend who believes that each time I move between different investments, that I am charged a fee, and thus, these reallocations are only beneficial if the gains are more than the fees charged for moving them. Is this true? Am I paying a fee each time I move my allocations around between different funds?  <response>: It depends on your specific plan. Ask your HR department for your 401k plans Department of Labor-mandated Participant Fee Disclosure document 408b2 document. This document must be provided to you by law and must also list when fees your plan can charge, and under what circumstances they may be charged. 