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为什么不要把你的401(k)和403(b)留在以前的公司里? (2024/2/8 更新)

(2017-07-04 10:55:07) 下一个

Whenever you switch a job or retire from a company, you should always roll over your 401(k) or 403(b) from your previous company to an IRA account called Rollover IRA with Fidelity, Charles Schwab or any other brokerage companies.  There are no any tax consequencies when moving your money over to a Rollover IRA account.  You should not leave it with their previous company or roll over to your current company's 401(k) or 403(b) plan. 

Some companies even will let you to roll over your 401(k) or 403(b) money while you are still employed with the company, the process is called ‘In Service Distribution’.  Please check with your company’s 401(k) or 403(b) administrator about this.

There are two benefits of rolling the 401(k) or 403(b) money to an IRA.

The first big benefit by rolling over to an IRA is that you have just lowered your management fees significantly since 401(k) or 403(b) administrators charge a higher fee than most of mutual fund companies.  These fees are all hidden from you and it is hard to find on your 401(k) or 403(b) statements.

The other benefit of rolling over to an IRA is that you will have thousands mutual funds, stocks, bonds, and ETF's to choose from instead of 10 to 20 mutual fund choices with a company's 401(k) or 403(b).

从公司退休账户转Rollover IRA, 里面的投资怎么办? - 博客 | 文学城 (wenxuecity.com)

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Jingle-Bell 回复 悄悄话 Very helpful. Thank you, hhtt!
江水草 回复 悄悄话 请问糊涂,如果原来公司的401K 就是Fidelity, 需要先卖掉原来的Fund, 才能rollover 到 Fidelity IRA吗?还是可以保留原来的FUND 直接rollover?
Wei_PDX 回复 悄悄话 most 401K plans have the fee listed out, but does not have the information about how the fee rate is calcuated.
hhtt 回复 悄悄话 回复 '螺丝螺帽' 的评论 : 欢迎螺帽美美来访!
螺丝螺帽 回复 悄悄话 看了, 会马上转
hhtt 回复 悄悄话 回复 '又当爹来又当妈' 的评论 : 谢谢又爹来访!
又当爹来又当妈 回复 悄悄话
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