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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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