conversation: User (loki8481): "well, 403b since it's at a hospital, but I figured they're the same in principle with regards to this question...\n\nmy current company matches up to 10% of my salary, so that's what I set my contribution to.\n\nmy new company, however, matches 8% **regardless of what I invest myself.** so, starting on my hire date and on the anniversary every year after, the company makes a lump deposit of 8% of my salary into the 403(b) account but does not match/contribute outside of that.\n\nwith that in mind, would it make any sense to lower my contributions and invest the money elsewhere, or keep up with my usual 10%?\n\nfwiw, I'm 33, so still relatively far away from retirement... I have a Roth IRA that I contribute to, but at the end of the year, I don't always have the free money to fully max it out for the year (hopefully that will change with the new job, since it's a nice $30k raise). I don't hit the IRA income limits currently.\n\non a side note, what happens to a 401k when you leave a job? I've had the same employer since graduating college, so this is the first time I've had to worry about it... do I roll it over into my IRA, or into the new 403b?"
  Self: "I would fill up to match (since your new company doesn't have a match and automatically contributes, then I wouldn't contribute), then fill up my IRA, then fill up my 403b\n\nIf you have an old account, you can leave it be, or you can roll it over.  Most of the time it's better to roll it over to an IRA."
  