Retirement Read Time: 4 min

What's So Great About a Rollover?

Changing jobs can be a tumultuous experience. Even under the best of circumstances, making a career move requires a series of tough decisions, 最重要的是如何处理你以前雇主资助的退休计划中的资金.

有些人选择将这些资金转入个人退休账户, and for good reason. About 34% of all retirement assets in the U.S. are held in IRAs, 59%的传统个人退休账户所有者通过从雇主提供的退休计划中滚动支付全部或部分个人退休账户.1,2

Generally, 在处理前雇主的退休账户时,你有四种选择.

First, you can cash out of the account. However, if you choose to cash out, 如果你的年龄在59岁半以下,你可能需要对余额缴纳普通所得税,并提前支付10%的取款罚金.

其次,你可以把资金留在你原来的计划中. 但有些计划对账户中的钱有规定和限制.

Third, you can roll over the assets to your new employer's plan, if one is available and rollovers are permitted.

Or fourth, you can roll the money into an IRA. 滚转可以保留你的退休金的税收优惠地位. 只要你的钱是通过直接的“托管人”转移, you can avoid a taxable event.3 In a traditional IRA, 你的退休储蓄将有机会增加延期缴税,直到你开始在退休时进行分配.

翻转可以更容易地保持组织和保持控制. 有些人在他们的职业生涯中换了好几份工作, 留下了一连串雇主赞助的退休计划. By rolling these various accounts into a single IRA, you might make the process of managing the funds, rebalancing your portfolio, and adjusting your asset allocation easier.

请记住,美国国税局已经发布了关于个人退休账户滚转的指导方针. For example, beginning after January 1, 2015, 一般来说,你不能在一年内从同一个人退休帐户进行一次以上的转期. 您也不能在这一年期间从已滚动到分发的IRA进行滚转.4

Also, 美国188网址注册业监管局(FINRA)发布了一些资料,可能会帮助你更好地理解你的滚动选择. 美国188网址注册业监管局提醒投资者,在决定是将资产保留在401(k)计划中,还是将资产转到个人退休账户(IRA)之前, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, 要求最低分配和拥有雇主的股票.5

不管你是跳槽还是干脆退休,个人退休账户滚转都是有道理的. 但是你的资产应该如何在IRA中分配取决于你的时间范围, risk tolerance, and financial goals.

1. Investment Company Institute, 2021
2. 传统的个人退休帐户和大多数其他雇主资助的退休计划的分配收入按普通收入征税, if taken before age 59½, may be subject to a 10% federal income tax penalty. 一般来说,一旦你到了72岁,你就必须开始接受最低分配. If the account owner switches jobs or gets laid off, 任何未偿还的401(k)贷款余额将在个人提交联邦纳税申报单时到期. Prior to the 2017 Tax Cuts and Jobs Act, 雇员通常必须在离职后60天内偿还贷款,否则将面临潜在的税收后果.
3. 本材料中的信息并非用作税务建议. 它不能用于避免任何联邦税收处罚的目的. 请向税务专业人员咨询有关您个人情况的具体信息.
4. IRS.gov, 2021
5. FINRA.org, 2021

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供关于可能感兴趣的主题的信息. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

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