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He can leave it parked as others have said but he will have no control over the fund or fund families. He needs to talk to several different financial reps. before making his decision. If he has a person that just wants to push annuities he needs to move on because they can have some heavy fees and cost that he may not need to pay plus they pay good comisions (thats what they make for selling them). This is money he needs for retiremnet so a mistake now could cost him thousands of dollars in the future. I took a class which was taught by financial reps from Mass. Mutual and was very impressed with them and he may want to give them a call. His insurance agent to see if they have a financial rep. as he should already have a working relationship with them.