401k Rollover Explained: Combine or Keep Separate?

Content Idea: Debunking the "Bigger Number Compounds Faster" Myth for 401k Rollovers. Explain why consolidating multiple retirement accounts (like 401ks) doesn't inherently make your money grow faster due to compounding interest, and what truly impacts your investment growth (e.g., expense ratios, fund performance, asset allocation).

Target Audience:

• Individuals changing jobs who are considering rolling over their old 401k accounts.
• Anyone with multiple retirement accounts (IRAs, 401ks) who are confused about the mechanics of compounding interest.
• New investors or those seeking to optimize their retirement savings strategy.
• Users who specifically ask questions like "My brain is telling me the money would grow faster if combined due to compounding interest of larger numbers..."

Why it will be popular:

• Common Misconception: Directly addresses a frequently expressed and persistent financial myth, as evidenced by user comments. Many people genuinely believe a larger single sum compounds "better" than the same sum split across accounts.
• Directly Applicable: Solves a real-world dilemma faced by countless individuals when changing employment.
• Clear "Aha!" Moment: Provides immediate clarity and corrects a significant misunderstanding, empowering users to make more informed decisions based on relevant factors (like investment quality and fees) rather than a non-factor.
• High Engagement Potential: Misconceptions often generate debate and discussion, leading to higher engagement.