Which way to ROLLOVER?

I am a retired teacher. I rolled all of my 403b funds into an IRA at Fidelity. Really easy.

Although a backdoor IRA is a consideration as a thought experiment, I never did it

Roberto makes a good point about after tax contributions. My wife is retired teacher and we rolled her 403b into an IRA with vanguard. Pretty simple. The old 403b showed for a few years at zero balance but then fell off.

The main reason you would want to avoid rolling over into a Traditional IRA is that if you have any pre-tax money in any traditional IRA (including a SEP IRA) then it creates enough complications with the back door Roth IRA contribution so as to make it not worthwhile. If you don't ever intend to execute a back door Roth IRA contribution, then a Traditional IRA is likely to be a better choice, since you won't be paying Fidelity's account maintenance fees for the 403(b) and since you are likely to have many more good options for investments.

Thanks for asking questions about 403bs! I retired from a university and have a 401a, 403b, and a 403b supplemental still in Fidelity's workplace pretax retirements accounts. I would like to rollover the 403bs into the 401a so I only have one retirement account but Fidelity told me that even though my rollovers would not be considered a taxable event, they would still need to be reported and would never actually go away. Fidelity told me I could hide the 403bs from view on their website when they had zero balances, but that Fidelity needed to keep them for their records. I am 58 and want to start taking distributions this year since the rule of 55 applies to my retirement accounts but am considering waiting until I'm 59 and a half to do the rollovers to hopefully avoid any possible complications. Has anyone done any 403b rollovers and did you have any issues with them?

I personally would rollover into an IRA because you will have more investment options like a broad based index fund. It is much more efficient than a Target Fund.