401K with Fidelity?

What happens if I quit my job I am almost 60% Vested
Can I keep my same mutual funds and not sell?
I have lost 10% this year and would rather keep the same mutual funds as I wont retire for 30 more years. If I sell now I will be selling lower. Can I roll the account and keep same mutual funds?

One rollover option is to do an in-kind rollover of your assets. These means the assets are not liquidated but instead transferred to a new account. So long as you keep your IRA at Fidelity you can choose this as an option. Get the distribution paperwork and take a look at the distribuiton options and you'll see what I'm talking about.

One thing I'm not sure about is how they will handle the fact that you're only 40% vested. They may not be able to accomplish an in-kind transfer in this case. But, you'll always be able to immediately allocate your balances in the same ratio that your 401k is in and thus you'll basically have an in-kind transfer.

Talk to Fidelity about how to accomplish your goals they'll be able to walk you through it. God knows you pay them enough; they should be able to help you.

You are 100% vested in your contributions and vested in company matching funds as provided in the 401(k) plan. If you roll over a 401(k) into an IRA, that means they will liquidate all investments in the 401(k) and provide cash to the new IRA custodian.

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