I recently opened a Simple IRA with my work, matching 3% of my contribution. I have two questions. First, they are getting rid of B shares, forcing a choice between A and C. I have 35+ years to retirement, so A is the way to go, right?
Secondly, I have a Roth IRA from college that I pay into quarterly, and have since I was a senior in college. It doesn't have much money, around 5k, but I'm wondering if it would be better to roll my Roth into the simple, or to keep the Tw separate. I know my company won't match the Roth, but I still plan to keep making the small quarterly contributions. Is there any upside to rolling the Roth into the Simple?
Thanks in advance, and apologies if this is noobish or poorly written. I don't know much about this stuff, clearly.