Q. Whenever I move funds around in my 401(k) — my spouse and I have five altogether — I am not charged anything, and I can freely rebalance existing balances any time I like. But within my IRA, I am charged $7 or $9 any time I move them around, so I’ve been hesitant to roll all these 401(k)s into an IRA. Are there hidden fees in my 401(k) that I don’t know about ?
Q. I don’t think I have good investment choices in my 401(k) plan, but I’ve always saved the max. Does it make sense to save to an IRA instead and put the rest in some other kind of account where I can choose the investments?
Q. I need another $30,000 to pay my son’s remaining college bills. I don’t have the cash. Am I better off with a home equity loan (my home is almost paid off) or should I take a loan from my 401(k) plan? I don’t plan to retire for another 10 years.