翻车有什么好?
换工作可能是一段混乱的经历. 即使在最好的情况下, making a career move requires a series of tough decisions, not the least of which is what to do with the funds in your old employer-sponsored retirement plan.
Some people choose to roll over these funds into an Individual 退休 Account, 有充分的理由. 美国所有退休资产中约有35%用于养老.S. 在ira中持有吗, and 57% of traditional IRA owners funded all or part of their IRAs with a rollover from an employer-sponsored retirement plan.1
Distributions from traditional IRAs and most other employer-sponsored retirement plans are taxed as ordinary income and, 如果在59岁半之前服用, 可能要缴纳10%的联邦所得税罚款. 一旦你到了73岁, you must begin taking 要求的最小分布 from a Traditional Individual 退休 Account in most circumstances. Withdrawals from Traditional IRAs are taxed as ordinary income and, 如果在59岁半之前服用, 可能要缴纳10%的联邦所得税罚款. Contributions to a Traditional IRA may be fully or partially deductible, 这取决于你调整后的总收入.
一般, you have four choices when it comes to handling the money in a former employer's retirement account.
首先，你可以从账户中提取现金. 然而, 如果你选择套现, you may be required to pay ordinary income tax on the balance plus a 10% early withdrawal penalty if you are under age 59½.
Second, you may be able to leave the funds in your old plan. 然而, some plans have rules and restrictions regarding the money in the account.
第三, you can roll over the assets to your new employer's plan if one is available and rollovers are permitted.
第四，你可以把钱存入个人退休账户. Rollovers may preserve the tax-favored status of your retirement money. As long as your money is moved through a direct "trustee-to-trustee" transfer, 你可以避免应税事件. 在传统IRA中, your retirement savings will have the opportunity to grow tax-deferred until you begin taking distributions in retirement.2
Rollovers can make it easier to stay organized and maintain control. Some people change jobs several times during the course of their careers, leaving a trail of employer-sponsored retirement plans in their wake. 通过将这些不同的帐户滚动到一个IRA中, 你可能会制定管理资金的过程, 重新平衡投资组合, 更容易调整你的资产配置.
Keep in mind that the Internal Revenue Service has published guidelines on IRA rollovers. You generally cannot make more than one rollover from the same IRA within a one-year period. You also cannot make a rollover during this one-year period from the IRA to which the distribution was rolled over.3
也, the Financial Industry Regulatory Authority (美国金融业监管局) has published some material that may help you better understand your rollover choices. 美国金融业监管局 reminds investors that before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, 但不限于, 投资选择, 费用及开支, 服务, 撤回处罚, 对债权人和法律判决的保护, 要求的最小分布, 以及持有雇主的股票.4
An IRA rollover may make sense whether you're leaving one job for another or retiring altogether. But how your assets should be allocated within the IRA will depend on your time horizon, 风险承受能力, 以及财务目标.
1. 这里.2022年7月
2. The information in this material is not intended as tax advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a tax professional for specific information regarding your individual situation.
3. 国税局.政府,2023
4. 美国金融业监管局.org, 2023
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