If you roll the 401k, you will probably have more and maybe better investment choices. You current IRA is with Vanguard. You don’t have to put the new money in the same fund, but you can. It has 4 stars from Morningstar, which is not everything, but a reasonably good indicator it’s a good fund. I’d roll it. If you don’t have much money in the IRA and the 401k money would not be a lot, I’d put it all in the VTTHX. If it would be a sizeable amount, think about putting it into two separate funds for diversification.

It is unlikely that your 401k will have as many investment choices as Vanguard has. If you roll over your 401k you don’t have to add it to VTTHX. You can use any of their funds.

2 negatives. You can’t borrow from an IRA like you can from a 401k and a 401k might be more protected from creditors if you got sued.

First, make sure you have that option.

If so, I’d say base it on what your new plan looks like. If the fees are low and the choices good, just let it go into the new plan.

If not, role it over into the VTTHX plan. By the way, I love those Vanguard Targeted retirement plans. I’ve got a lot of my retirement money in one.