Should you leave your money in your company’s pension ? Most plans offer a “cash out” capability so the question is pension or LIRA ?
It is important to clean up those old accounts, both credit card and savings accounts as well.
I am not sure that ETFs are evil for sure, but some of them can be just as bad as the crappy Mutual Funds that some folks flog.
In life, many times we do not have control of the events in our lives, and many times it is better to be lucky, to survive.
The year 2008 for me was a tumultuous one, with many big changes, that in the end were for the better, I suppose.