Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

Questions tagged [rollover]

For questions relating to rollovers of 401K's, IRA's, HSA's, etc.

204 questions
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Quit my job: What can/should I do with funds in previous employer's 401(k) plan?

I recently changed jobs, and my previous employer offered a 401k. I know I can roll that money into an IRA. Before I do anything, I would like to understand what options I have, and which option is best. What recommendations do you have?
Kyle Trauberman
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Can I roll over a 401(k) with my current employer into an IRA?

My wife has a 401(k) with her employer that she has been contributing to for years. They recently switched administrators for the 401k, and the new outfit is simply terrible - bad fund choices and outrageous fees. I would like to roll over her…
Eric Petroelje
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Why would you not want to rollover a previous employer's 401(k) when changing jobs?

Are there any valid reasons to not rollover a former 401(k) when changing jobs? I have several little ones that I never quite got around to rolling together - with an upcoming job change, should they all be combined into my new employer's retirement…
warren
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I have $3500 in Rollover IRA. Should I withdraw it early and pay off my credit card debt?

I have been investing a healthy amount in my current 401k with no plan to withdraw it early. I have $3,500 in a rollover IRA which has been sitting in there for about 4 years and I have done nothing to grow it over the past couple of years. I…
Gerry
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How does a tuition insurance payment affect 529 withdrawals?

Qualified college tuition and expenses were paid from a 529 plan in 2014. The school sent a 1098-T and the 529 plan sent a 1099-Q and everything was fine on my 2014 taxes. In 2015 my child has left school on a medical leave and I will be receiving…
Michael Levy
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My company is changing 401(k) plan providers. Can I rollover to an IRA during the transition?

My question is similar to this one, but slightly different: Can I roll over a 401k with my current employer into an IRA? According to that question above, it's not possible for somebody my age (28) to rollover a 401(k) to an IRA without actually…
Mark E. Haase
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Do Roth IRA contribution limits apply to Rollover IRAs?

My wife has already maxed out a Roth IRA for 2010. She just quit her job, and has a 401k from her former employer. Would I be able to roll it into a new Roth IRA even though she has already contributed the maximum for 2010. Do the contribution…
jjeaton
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Should I use a Roth 401K rather than 529 to save for children's college?

I have set up a 529 for my child's college fund but the more I look at it the less useful it seems compared to alternatives. The 529 is quite restricted -- What if she doesn't go to college? What if she gets a full scholarship? What tuition benefits…
Matthew
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Combining 401(k)'s from different past employers?

I have multiple 401(k)s from past employers. I know I can roll each of these over into new IRA accounts at my brokerage, but do the 401(k) rules allow me to combine these 401(k)'s into one IRA account? The rollover forms are always phrased in…
dthorpe
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Roll-over my old 401k from Fidelity to Vanguard

I have a 401k (both traditional and roth) at Fidelity and recently tried a roll-over from the Fidelity 401k to Vanguard IRA (Rollover IRA and Roth IRA). When I called Fidelity to request a roll-over after setting up the IRA accounts at Vanguard,…
DSKim
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What is the difference between a Rollover IRA and a Roth IRA?

Previous Question. I have decided to roll my 401(k) into a Roth IRA. I use ThinkOrSwim as my broker currently, so I plan on opening an IRA with them. When opening the account I'm presented with the choice between a Rollover IRA and a Roth IRA. …
Kyle Trauberman
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Can I open a rollover IRA account in the US when I am not a citizen, nor no longer live there?

I lived in the US for about 7 years, and started saving money in the company's 401K plan. I had a green card, but decided to move to my home country years before it expired. I have a US SSN. Now the company is closing the 401K plan, and all…
Hilde
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Why would I not rollover my 401k into an IRA when permitted?

Currently in the US there are circumstances which allow you to rollover your existing 401K into an IRA, such as when you change employers. You may also keep it in the existing employer's plan or roll it into your new employer's plan. Assuming there…
Matthew
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Can I roll over 401(k) contributions that were made prematurely (by mistake)?

The company I work for told me yesterday that they need to refund my 2010 401(k) contributions because they recently discovered during an audit that they enrolled me into their plan prematurely since I hadn't yet met their requirement of 1000 hours…
user3575
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401(k) administration fees vs Rollover IRA fees?

I'm evaluating rolling over my old 401(k) into a self-administered IRA. I know the general costs and benefits (mostly benefits, in terms of increased flexibility, as stated here), but I'd like to see if I can precisely quantify the difference. In…
YGA
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