You must also consider security.
State law defines the creditor protection given to IRAs.
Many retirees elect to roll over their work-sponsored plans to increase their flexibility in investment choices. Their concerns include control over plan amendments, the necessity to deal with company pension departments which may be located outside the state where they reside, and the loss of direct communication with the company because of retirement. Your best bet is to meet with a financial planner who will help you prioritize your objectives and who will guide you through the complexities of making this important investment decision. The more you know about your alternatives, the more comfortable you will be with your final decision. I have a large sum which makes up my retirement funds.