Episode
6-30-26 Should You Leave Your 401(k) Where It Is?
- Published
- Jun 30, 2026
- Duration seconds
- 2761
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Summary
Should you leave your old 401(k) with a former employer, roll it into an IRA, move it to a new employer's retirement plan, or consider another option? The right answer depends on your goals, investment choices, fees, taxes, and retirement timeline. Lance Roberts & Jon Penn examine the advantages and disadvantages of each option, including investment flexibility, creditor protection, Required Minimum Distributions (RMDs), fees, and the tax implications that could affect your long-term retirement strategy. We'll also explain why leaving your 401(k) where it is may be the best decision in some situations—and why rolling it over isn't always the automatic choice. If you're changing jobs, approaching retirement, or simply reviewing old retirement accounts, this discussion will help you make a more informed decision before moving your savings. 0:00 INTRO 0:48 - End of June - Start of July 2:25 - Google Goes to DJIA 4:43 - Maintain & Monitor Risk 8:35 - Man Caves & Kitchens 9:18 - I Need to Rollover My 401k to an IRA 15:16 - What to Do with Your 401k 17:04 - What You Lose in an IRA 20:55 - Is This a Bad Time to Invest? 25:57 - Binary Investors 27:33 - Gating Returns in Private Credit Funds 40:18 - Dollar Strength & Precious Metals 43:31 - Why You Should Keep Money in a 401k - vs IRA Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/iHJLWOZY4NQ ------- Articles Mentioned in Today's Show: "Friedman Was Right, Just Mostly Misquoted" https://realinvestmentadvice.com/resources/blog/mitton-friedman-was-right-just…