401K
Good morning,
Retired in June 2025 with a company 401K. The money is still in this account.
Invested with Fidelity AF TD INCOME 2025 R6
Should I keep this with the previous employer plan?
Plan is not to have withdrawal for a few years, your advice on change investment from the AF TD 2025
Thank you
Terry Says
I assume you’re talking about the Target Date 2025 fund, which is a very conservative choice. Here is the Morningstar analysis of that fund:
https://www.morningstar.com/funds/xnas/RFDTX/quote
But I typically recommend doing a rollover to an IRA, so you can have a wider choice of investments than most 40l(k) plans provide.
This fund has a very low expense ratio, and conservative assets. Not sure how long they will keep this one going though, since it is targeted to 2025. If that changes, then read the below article on doing a rollover. Fidelity can easily help you through this process.
