11-03-2013, 09:07 AM
Depending on who you roll it over to, you might be able to roll the funds your currently have into the new IRA. I did an IRA rollover to E*Trade and they rolled all the mutual funds over so that I didn't have to cash them out then rollover. If I was you, I would find one that could do this and then sell the mutual funds that you don't want to keep and starting turning the IRA into a clone of you taxable account. This way you don't have to be out of the market and buy what is currently attractive instead of sittting all cash for a crash that might happen next week or 5 years down the road.