(such as desirable mutual funds that are closed to new investors), you may want to leave your money in the plan. This would be especially beneficial if you don’t have another employer plan to roll over into, or
as some plans allow, it makes sense to separate these contributions from the pre-taxed amounts. You can then convert this after-tax money directly over to a Roth IRA in most cases without tax. This is because the 401k isn’t subject to the “little...