Original Message

You can slip stream some money movement activity under the radar as long as you keep it flowing into cash and not purchasing anything on the phi side but the money market fund.

When it gets some accumulation slide that to the external when no one is looking...or a better time ...when they are switching account holders like from Mass to hartford to MFS to Empower....to whatever is next.  Use those big moves to move your lump sums.

I did that and now the lions share of my 401 is all Schawb......and the killing I'm making over there dwarfs anything on the Phi side.....hence the 100%