Start Of Main Content

什么是展期?

A rollover is when money moves from a qualified retirement plan, such as an employer-sponsored 401(k) plan, to a 传统的爱尔兰共和军.

You may be eligible for a rollover if you've changed or are between jobs, or have retired. If you choose not to rollover your funds, you also have the option to cash out the account value.

Benefits of a rollover

  • Maintain tax-deferred status 和 avoid paying a 10% tax penalty. This can be done by moving money directly from a previous employer's plan to a 国营农场® 传统的爱尔兰共和军.
  • Watch your savings continue to grow-tax deferred. This means that no amount in the IRA will be taxable until withdrawn from the IRA. Tax-deferred growth enables money to grow faster than it would in a taxable account.
  • Consolidate 和 manage retirement assets.

Disadvantages of rolling over an IRA

  • You may be eligible for favorable tax treatment withdrawals if your 401(k) is invested in company stock.
  • A 401(k) may provide greater protection from lawsuits 和 creditors.
  • You may be able to get a loan from an employer-sponsored 401(k) account, but not from an IRA.

Consolidating your accounts into a 国营农场 传统的爱尔兰共和军 can make it easier to track balances 和 monitor withdrawals.  With 国营农场 Investment Planning Services, you have access to a trained registered agent, a broad range of mutual funds 和 other investments, 比如年金.

相关链接

退休计划

风险披露

A 10% tax penalty may apply for withdrawals from tax-qualified products before age 59½.

Prior to rolling over assets from an employer-sponsored retirement plan into an IRA, it's important that customers underst和 their options 和 do a full comparison on the differences in the guarantees 和 protections offered by each respective type of account as well as the differences in liquidity/loans, types of investments, 费用, 和 any potential penalties.

Before investing, consider the funds' investment objectives, risks, charges 和 expenses. This 和 other important information is contained in the fund 招股说明书 和 summary 招股说明书 which can be obtained by visiting koh-tao-hotels.com. 仔细阅读. Securities distributed by 国营农场 VP Management Corp.

Securities are not FDIC insured, are not bank guaranteed 和 are subject to investment risk, including possible loss of principal.

Neither 国营农场® nor its agents provide tax or legal advice.

AP2023/05/0510