First off i'm not hurting for the money that's in this plan, but what"s the train of thought on this. The plan i'm talking about doesn't have contributions & hasn't really done much for quite some time. By the way i'll be 53 in a few days & have absolutely no clue if or when i'll be called back to work. What would be the best thing to do with this open an ira, put it in cds for around 12 years, Pay the tax & stick in savings with interest rates so low right now & wait for rates to rebound or just leave it alone? We're only talking arond $74,000 before taxes by the way. Thanks