Pros and cons of rolling over 401k to IRA
了解一下把你所有的个人退休账户和401k账户放在一起的好处和坏处.
According to the Bureau of Labor Statistics在美国，年龄在18岁至52岁之间的人换工作的频率平均可达12次. 其中一些工作可能会带来一些 employer sponsored retirement plan such as 401k or an IRA account (SIMPLE or SEP). When switching jobs, 许多人选择将任何账户转到新雇主的计划中，而不是将其作为提款. 当你滚动退休计划分配时，罚款和税收通常是延期的. So let's look at a few of the pros and cons 将它们合并为一个机构的IRA.
IRA advantages
如果你把所有的退休账户合并到一个个人退休账户中，好处如下:
- Fewer accounts管理多个计划中的剩余储蓄可能会很复杂.
- Simplicity: The process is pretty straightforward. 您只需开立一个帐户，并向您的旧帐户管理员提供指示，将资金转到哪里.
- No taxes or penalties: A rollover is an avenue to avoid tax penalties 对于早期分配，与兑现账户价值相比. In a direct 401k rollover在美国，税收被推迟到你取钱的时候，这样就避免了税收处罚.
- Wider investment choices个人退休帐户让你可以选择一系列的投资选择. These may include bonds, mutual funds, stocks, 指数基金、交易所交易基金或其他类型的基金.
- Lower costs: Because of the wider selections of fund choices, 个人退休账户提供商有时会提供费率最低的选择.
Disadvantages of an IRA rollover
A rollover is not for everyone. A few cons to rolling over your accounts include:
- Creditor protection risks. 根据IRA的规定，你可以通过将资金存入401k来获得信贷和破产保护，以保护你免受债权人的侵害.
- Loan options are not available. The funds may be less accessible. 你也许可以从雇主赞助的401k账户中获得贷款，但永远不能从个人退休账户中获得贷款.
- Minimum distribution requirements. 一般来说，你可以在不收取10%提前提款罚金的情况下从储蓄银行提款 401k if you leave your employer at age 55 or older. 有了个人退休账户，你通常要等到59岁半才能 withdraw funds in order to avoid a 10% early withdrawal penalty. The Internal Revenue Service 提供更多关于税务情况的信息，以及 rollover chart.
- More fees. 与401k相比，你可能要承担更高的账户费用，因为401k可以获得低成本的机构投资基金，因为它具有团体购买力.
- Tax rules on withdrawals. You may be eligible for favorable tax treatment on withdrawals if your 401K is invested in company stock.
