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Top 3 Reasons NOT to Rollover a 401(k)

Top 3 Reasons NOT to Rollover a 401(k)

401(k) Rollover: A process to move funds from a 401(k) to another retirement plan without a tax cost. (Also pertinent for 403(b) and 457 plans)

1. Expenses
While the majority of 401(k), 403(b) and 457 plans can have high expenses, larger plans can use their volume to have extremely low expenses that would be difficult to attain on your own.

2. Stronger Bankruptcy Protection
Assets stemming from an employer derived plan have stronger bankruptcy protections than contributions you have made to an IRA. Therefore, should you roll over 401(k) assets to an IRA that you have contributed to separately; you may want to consider having a separate IRA.

3. Employer Stock
If you have appreciated employer stock in your 4

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