换工作，转移你的401k计划
如果你已经投资了雇主的401k退休计划, 在这里 are four things you can do when changing jobs to keep 你的退休计划ning on track.
换工作可能会有压力. 你有老项目要完成，有新责任要学习. But when you pack up your personal belongings and move to your next place of employment, 别忘了你的退休账户.
The money you've put in is yours to keep, but you may not know what to do with it. We're 在这里 to help you understand your options and continue preparing for your future.
把401k基金留给你的前雇主
The easiest thing to do may be to leave your assets in your previous employer's retirement plan, but t在这里 are some details you'll want to consider before choosing this option.
一般, you're only able to leave your money in your previous employer's plan if your account balance is over $5,000. If you have $5,000 or less, you may be required to take a full distribution. 这可以以翻转的形式出现. If you take the distribution in cash, you may be subject to tax and penalties.
也, 如果你把钱留在前雇主的计划里, 你将受到该计划的投资选择和支付选项的限制, which may be more limited than if you rolled the money over into an IRA. Plus, you'll no longer be able to make contributions or take a loan, in most cases. 你可能还要付额外的服务费或管理费, 还有可能对交易施加限制.
If you decide to leave your retirement savings with a previous employer, be sure to keep your contact information up-to-date so you'll continue to receive statements and other pertinent information.
转入新雇主的退休计划
You may be able to move your assets from your former employer's plan directly into your 新雇主计划. This direct rollover allows your money to remain invested in a tax-deferred plan, 而且搬家不需要缴税或罚款.
在你做决定之前, you'll want to review the investment choices and flexibility in your new plan. 选择和取款可能比你以前的计划更有限. In addition, you may have to wait a year or more to be eligible to participate.
转到个人退休账户
Employer plans are designed to meet the needs of many people, not just yours. 但幸运的是，你不必受制于前雇主的pp王者电子官网计划.
You can rollover your funds directly from your previous employer's 401k into an IRA. By completing a direct rollover, you can avoid the mandatory 20% federal income tax withholding.
转到IRA may be a good idea for you if you want to have more control over your retirement assets. 另外, this option can simplify 你的退休计划ning by having all your investments with one financial provider. 有两种类型的IRA你可以转到: 传统和罗斯IRA.
传统的
You can rollover your funds directly from your previous employer's 401k into a 传统的爱尔兰共和军. By completing a direct rollover, you can avoid the mandatory 20% federal income tax withholding.
罗斯IRA
如果你把钱放进 罗斯IRA 从传统的401k养老金中, 你要为进入账户的钱纳税, but pay no federal income taxes when you withdraw the money (after you're age 59 1/2 and have had the account open for five or more years). 罗斯401k账户的钱可以免税转入罗斯个人退休账户.
从你以前的401k计划中提取现金
You don't have to wait until you retire to access the money in 你的退休计划. 这是你的, and 兑现了 will provide you with a lump-sum cash distribution in the form of a check payable directly to you. 但有几个原因，这可能不是你的最佳选择.
如果你从原来的计划中套现, you will deplete your retirement savings account and will need to start over again. 而且，你也不会收到你的账户余额. Your employer will be required to withhold 20% for federal income tax purposes. 如果你的税率较高，你可能欠更多的税. You may also have to pay a 10% tax penalty for making a withdrawal from a 401k before age 59 1/2. If you leave your company at age 55 or older, the 10% penalty may not apply.
强烈建议您在此之前咨询您的税务顾问 兑现了 你的退休计划.
关注未来
记住，储蓄和计划是舒适退休的关键. 当你换工作时，无论你选择用你的401k做什么，我们的 代理 are 在这里 to help you ensure your decisions are in line with your retirement goals.
