不转新公司401k的坏处是

1. 没办法合并 不利于操作
2. 不能利用50/55 rules --> 因为必须是current job’s (What Is the Rule of 55? Under the terms of this rule, you can withdraw funds from your current job’s 401(k) or 403(b) plan with no 10% tax penalty if you leave that job in or after the year you turn 55. (Qualified public safety workers can start even earlier, at 50.) It doesn’t matter whether you were laid off, fired, or just quit.)