Are you sure that $40 is due to fees? Could some of it be due to the loan issues? If the money was in Money Markets then that is a chance.
401K to 401K is fine to roll-over, but there is a time limit and as I recall IRA is totally seperate from 401Ks, so I think you are screwed there.
Also Roths are completely different from regular IRAs so no roll over there either.
So the best option is to find a better bank, and I hath heard good things about ING Direct, but I am sure there are others. Just make sure that you put it in index funds (Vanguard has good ones), since those are the most efficient in the long run. The Money Markets are taking a beating at the moment.
no subject
401K to 401K is fine to roll-over, but there is a time limit and as I recall IRA is totally seperate from 401Ks, so I think you are screwed there.
Also Roths are completely different from regular IRAs so no roll over there either.
So the best option is to find a better bank, and I hath heard good things about ING Direct, but I am sure there are others. Just make sure that you put it in index funds (Vanguard has good ones), since those are the most efficient in the long run. The Money Markets are taking a beating at the moment.