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Follow up on Pension Question
I decided to go ahead and take the lump sum of a pension plan and roll it into an IRA I have with Fidelity. I can't decide which way I should go with it. Currently I have money in an IRA with the management team and an IRA that I manage myself. I'm thinking to either keep it with the management team or maybe open a new IRA and put it all in a target fund. The IRA I manage is a combination of mutual funds and stocks. My only concern with putting it with the management team is that the fee will go up because it's more money. What do you think?
On a side note, we officially paid of DD's medical bill. It was at a balance of $2500 back in Feb and we got all that paid off in 4 months plus added to the emergency fund which is currently at $2200 
Our only debt is my school loan and DH has 2000 on his business credit card. So I'm feeling pretty good lately about things, just had to share.
Re: Follow up on Pension Question
I would not put it in with a management team unless it is a lot of money. My wife was talked into an IRA with a management team last year it earned 3% after transaction fees when my target funds all earned roughly 12%.
If you are like one of the professors that I had in college that had a huge nest egg having at least some of it managed by professionals is fine if they contact you before making a transaction.
it's actually my best return IRA. They have earned me $6,000 in just 6 months. They only charge me 1%/year in fees. they charge me quarterly. Currently I have half of my money with them and the other half on my own. I didn't want to put all of it with them. I know putting more in will be mean more of a 1% fee.
They have me invested based on a questionnaire I answered last year. It's pretty much a balanced portfolio and they told me all the funds they were putting me into and it hasn't changed since then. In a few months they will call me to go over everything for the year and see if I have any changes.
Would you put it all in 1 target fund? I gotta figure this out soon.