<prompt> Human: Im 31 and have appx 100,000 in my 401k account and Ive recently changed jobs. Everything about my new company s benefits plan exceeds my prior employers except the selection of funds. Almost all of the funds are Target type funds with some unfavorable servicemaintenance fees compared to what I had prior a Vanguard fund. My question is should I leave my current 401k where it is and just start a new one from scratch with my new employer? My new employer matches 100 on the first 3 of contributions and 50 on the next 2. Would I be missing out on any significant compounding interest if I didnt roll it over?Assistant: Another option is to roll the 401k into an IRA of your choosing and start a new 401k at the new company. This way the old money, you get to choose the best plansfees.Human: I was thinking about that too but would I lose any accelerated growth or compounding potential in the new fund by not having contributions and matching stacking up on the 100k total?  <response>: Math doesnt work that way.100 10 50 10 50 10Having the same money earning the same interest in two different accounts is the same money as having them in 1. 