把401k转到IRA的利弊

根据 劳工统计局, on average, individuals between the ages of 18 and 52 may change jobs as frequently as 12 times. Some of those jobs probably came with some type of 雇主赞助的退休计划，如401k 或者一个 IRA帐户 (简单的 or 9月). 当 换工作, many people choose to rollover any accounts to their new employer's plan rather than taking them as a withdrawal. 当 you roll over a retirement plan distribution, penalties and tax are generally deferred. 我们来看一些 利与弊 of consolidating them into one IRA with one institution.

爱尔兰共和军的优势

If you consolidate all your retirement accounts into one IRA, a few of the pros are:

• 更少的账户: Managing savings left in multiple plans can be complicated.
• 简单: 过程非常简单. You simply open an account and provide instructions to your old account administrator w在这里 to roll the funds over to.
• 没有税收或罚款侧翻是一条可以避免的道路 税务处罚 for early distribution as compared to cashing out the account value. 直接地 401 k翻转, taxes are deferred until you withdraw the money and 税务处罚 are avoided.
• 更广泛的投资选择: An IRA offers you the ability to choose a range of investment options. 这些可能包括债券, 共同基金, 股票, index funds and exchange-traded funds or other types of funds.
• 更低的成本:因为有更广泛的基金选择, IRA providers sometimes have options with the lowest expense ratios.

IRA滚转的缺点

并不是所有人都适合展期. 滚动账户的几个缺点包括:

• 债权人保护风险. You may have credit and bankruptcy protections by leaving funds in a 401k as protection from creditors vary by state under IRA rules.
• 贷款选项不可用. 这些资金可能更难获得. You may be able to get a loan from an employer-sponsored 401k account, but never from an IRA.
• 最低分配要求. You can generally 提款 without a 10% early withdrawal penalty from a 401k，如果你离开你的雇主 55岁或以上. With an IRA you generally have to wait until you are age 59 1/2 to 提款 为了避免10%的提前提款罚款. 的 美国国税局 offers more information on tax scenarios as well as a 翻转表.
• 更多的费用. You may be responsible for higher account 费用 as compared to a 401k which has access to lower-cost institutional investment funds because of group buying power.
• 提款的税收规则. 你可能有资格获得优惠 提款的税务处理 如果你的401K投资于公司股票.