Saving for retirement thread, jesus christ is this shit really as complicated as it sounds (talking as a U.S.er)

ok wait I didn't even ask my question yet!

I have a couple thou from my last job's 401k that got rolled over into an IRA that is all in a money market account

I just enrolled in my employer's 403b (Vanguard!) -- should I roll all of this dumb money market IRA into it? The answer is yes, right?

sounds like it

oh i see! 45:33 which apparently they split into tracks on the Live @ MSG release (which I never realized)

I've got a Roth IRA; a minor sum gets deducted every month and invested in low risk stock, low risk enough that during the financial meltdown the impact was minimal.

yeah i'd roll it and consolidate

Consolidate

lmao whoops i meant to past that last message go the LCD thread!

ok good that seems to be the most sensible bcz I"m sure the interest rate on this Schwab money mkt acct is like 0.04

2nd question: there are like 50 different ways to invest this money! I went with a totally hands-off plan where Vanguard calculates what to invest everything in based on my target retirement date. As someone with zero knowledge of stocks & bonds & shit, is this okay enough? Or could I get significantly more in the long run with minimal effort and engagement?

Yeah that's probably fine. Again, vanguard invented a lot of this stuff. It's probably mostly Index funds that will gradually increase to bonds (more stable) from stocks as the fund ages