Real ChatGPT answer · index seedLmSVKXB4axccompleteFinance and banking · retirement accountscomparison
What are the hidden costs if I roll my old 401k into a traditional IRA at Fidelity versus doing a Roth conversion right now
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The searches the AI actually ran for this prompt.
SEED QUERY
What are the hidden costs if I roll my old 401k into a traditional IRA at Fidelity versus doing a Roth conversion right now
3 real searches · 1 real-search pass
IRS rollover 401k to traditional IRA Roth conversion pro rata rule required minimum distributions IRA creditor protection rulesGoogle ↗
OBSERVEDReason
Fidelity rollover IRA fees account fees commissions expense ratios 2026Google ↗
OBSERVEDConsequence
IRS 2026 tax brackets standard deduction retirement account Roth conversion rulesGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
IRS rollover 401k to traditional IRA Roth conversion pro rata rule required minimum distributions IRA creditor protection rules Google ↗
Fidelity rollover IRA fees account fees commissions expense ratios 2026 Google ↗
IRS 2026 tax brackets standard deduction retirement account Roth conversion rules Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS rollover 401k to traditional IRA Roth conversion pro rata rule required minimum distributions IRA creditor protection rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fidelity rollover IRA fees account fees commissions expense ratios 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS 2026 tax brackets standard deduction retirement account Roth conversion rules OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |