In my 403(b) plan, it urns out I've been in an annuity program for decades at Valic. Who knew? 1.65% fees on most of my investments.
I'm transferring the funds to Fidelity where I can invest in low-cost index funds. But the Fidelity website says this, "You should consult your tax adviser and carefully consider the impact of making a rollover contribution to your employer's plan because it could affect your eligibility for future special tax treatments."
What "special tax treatments' are they referring to? I'll call Fidelity but I wonder what you experts think. Thanks!