<prompt> Human: Hey everyone, Im looking for opinions on what to do with my old 401K. I just changed jobs and will have a 401K at the new job too. The company offers 4 match so Ill be contributing at least that to the new one. For my old one, I have about 26K in it. There are no fees and the expense ratio is 0.74. I could just roll it into my new one and contribute solely to that but Im wondering if there is a better option. I could also leave it where it is, and I wouldnt be able to contribute to it but it would grow as is. Should I move the old one to some sort of IRA, or something else where I could continue contributing to it? What else should I consider?x200B;  <response>: My standard advice is to never leave a 401k in place at a former employer. Always roll it over into an IRA or a current 401k.How do you decide which? If the investment options in your new 401k are unusually good, meaning you can get exactly the kind of mutual funds you want with unusually low expense ratios, move your old 401k there. Almost always, its a better idea to roll over to a self-directed IRA at Schwab, Fidelity, or Vanguard.Once there, use a two- or three-fund portfolio of index funds and a buy-and-hold strategy. 