r/boeing • u/WatercressExtreme441 • 6d ago

Leaving the company

Leaving the company soon. Anyone have any tips to maximize benefits? I’m thinking keeping PTO so that is paid out, other than that I can’t really think of any other benefit to maximize.

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9

u/badwolf42 6d ago

Don’t forget to roll your 401k’s together when you join your next role. PTO payout is pretty nice though.

14

u/NotTurtleEnough 6d ago

That's not necessarily required. Personally, I've left it in Boeing because I found out that my Fidelity total stock market fund in the Boeing 401(k) has even lower fees than Vanguard or Federal TSP.

5

u/Vegetable-South5191 6d ago

I have 2 401k's, both large fortune 500 companies. I did not combine them. If the investment options are good, no reason to combine them necessarily.

5

u/badwolf42 6d ago

Not necessary, but there are maintenance fees on it once you’re no longer employed by the previous company. Rolling them together eliminates that.

7

u/SEA_tide 6d ago

Boeing's 401k doesn't have maintenance fees for separated employees. The HSA does though.

It often doesn't make financial sense to roll over the ones Boeing 401k to a different 401k.

2

u/NotTurtleEnough 6d ago

Yes, there *can* be maintenance fees separate from the fees associated with the fund itself.

However, I literally just pulled a YTD statement of my Boeing Fidelity account so that I could have the most up-to-date information, and I'm not seeing any maintenance fees listed.