---
title: Should I Roll Over My Dormant Traditional 401(k)?
description: Wealthy Street Academy - Free flowcharts and checklists to help you navigate life's toughest financial planning scenarios.
---

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# Should I Roll Over My Dormant Traditional 401(k)?

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401(k)s and IRAs have many unique features that may be beneficial, depending on your circumstances. However, the decision to roll funds out of a former employer’s plan involves more factors than just fees and investment selection.

 

This flowchart addresses some of the most common issues that should be considered before doing a rollover, including:

 

- Common IRA and 401(k) features and differences
- Net Unrealized Appreciation options
- Age-based distribution options
- Taxes and penalties in an IRA versus a 401(k)
- Availability/existence of loans and the impact of a rollover
- Hardship Withdrawals
- Substantially Equal Periodic Payments

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