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  1. Michael, thank you very much, too, for responding to my questions! (So sorry in the course of the thread I forgot the answerer was changing.) Best wishes. NedK
  2. Thanks, Joel. That's good news and one more reason for consolidation! As always, your help is greatly appreciated. Best regards. NedK
  3. One more question for Joel. Though I've just started, I'm already having headache about keeping piles of the certificates of my accounts. No doubt they are important and I'll safeguard them as long as I have the accounts. But, as advocated by you which I fully agree, when in future I quit this job (not impossible that I'm already thinking of it!), I should better consolidate everything into one account at one place. My question is then: Will the certificates of the accounts that will no longer exist be still of any use in any possible scenario? In other words, will the consolidation/simplification also help me get rid of these paperworks WITHOUT CAUSING POSSIBLE TROUBLE? Sorry if this doesn't sound like a good question :=)
  4. Joel, thank you for caring to respond to my curiosity. Just got started and already feel at a loss with so many investing vehicles for retirement!! Ned
  5. Then, wouldn't that be a NO BRAINER that EVERYONE, when quitting a job, should be better off to roller his 403(b) to ira? Is there any possible drawback doing so? Ned
  6. Can one continue to make contributions to his 403(b) account even after he has quitted job and is not working under a new employer? If the answer is yes then it seems people who rolled over their 403(b) into IRA missed one thing, namely, 403(b) has a much higher max contribution limit. Or perhaps the answer is no? Ned
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