将你的401k转到传统的IRA账户
Understanding the 展期 process will help you continue to execute your retirement plan and build your savings.
什么是401k滚转?
如果你 失去 或者放弃你的工作，你的401k计划 退休储蓄 我可以和你一起去. 当这种情况发生时，有 你的401k基金的选择 一个是传导a 展期 成一个 个人退休帐户 (IRA). 美国国税局允许您直接转到另一个计划或个人退休账户. 有一个 财务顾问 to assist you in clarifying your options and in the decision making is sometimes helpful.
了解你的选择
When you leave a job, t在这里 are four options for your retirement plan account. 您可以:
- Keep your money in the current plan if your employer allows it (some don't, 特别是对于低余额的账户).
- 转移到新雇主的退休计划中(如果有的话).
- 转到个人退休账户.
- 拿着现金. 在这样做之前，你可能需要咨询一下你的税务顾问. 通过拿现金, 你可能要为分销交税, 如果你年龄小于55岁，包括10%的税收罚款, 它可能会减少你的退休储蓄. 当你直接取现金的时候, the IRS only allows you 60 days from the date of receipt of the funds to 展期 the funds to another plan or IRA.
如果你 leave your money in your current employer's plan or move it to a new employer plan, you will be limited to the rules of that plan and the options they offer. You can generally withdraw funds without a 10% early withdrawal penalty from a 401k if you leave your employer at age 55 or older. With an IRA you generally have to wait until you are age 59 1/2 to withdraw funds in order to avoid a 10% early withdrawal penalty. +, 如果你把钱留在当前的计划中, 你将不再能够捐款或贷款, 在大多数情况下. 你可能还要付额外的服务费或管理费, 还有可能对交易施加限制.
Depending on your circumstances, keeping the funds with your previous employer might be a good idea.
转到个人退休账户意味着延税增长
如果你 展期 to an IRA you may have a wide choice of investment options, 包括雇主可能不提供的选择, 比如共同基金, 年金和银行存单. 这个选项允许你的资金继续增长递延税. And you can simplify your financial life by moving the account to a company w在这里 you already have funds or even 成一个 existing IRA.
如果你选择 传统的爱尔兰共和军当你进行展期时，你不需要支付任何税款. 如果你把钱放进 罗斯IRA, you'll be taxed on the money going into the account, but pay no federal income taxes when you 取钱 (after you're age 59 1/2 and have had the account open for five or more years). 罗斯401k账户的钱可以转到 罗斯IRA 免税的.
When rolling over a 401k balance 成一个 IRA it's important to do a full comparison on the differences in the guarantees and protections offered by each respective type of account as well as the differences in liquidity/loans, 投资类型, 费用和任何可能的处罚.
将401k转到IRA的步骤
这个过程很简单:
- 找到适合你的个人退休账户投资 (如年金、银行定期存单或共同基金). You will have to do some research or talk to someone in the financial industries to find out which options are right for you.
- 联系你前雇主计划的管理者 并安排直接转存予新个人退休帐户的托管人. 具体的程序可能因公司而异, 但别担心——他们之前都处理过这个请求.
- 签署文件，直接将资金转到您的新账户. The funds will then arrive in your IRA for investment as you chose in step 1.
要小心间接展期
Rollovers may be done as direct or indirect, but they are not managed the same.
直接 - A 直接翻转 is w在这里 the funds are transferred directly from one retirement account to another; as the owner you never touch the funds. Doing a 直接翻转 avoids this negative consequence that may come with an in直接翻转.
间接 – As the owner you can receive a distribution of your account balance from the plan instead of arranging for a 直接翻转. 这可能不是个好主意. 如果取一个分布, the plan administrator typically withholds 20% of the distributable amount for federal income taxes. The 20% is returned in the form of a tax credit in the year the 展期 process was completed. 当你做这种间接翻转时, 您可以增加展期金额, 用你自己的资金, 等于20%的预扣金额. 如果你 roll over the amount of the check you receive without adding that 20% back, 然后，扣留的金额将被视为应纳税的分配. You will generally have to pay income taxes on that amount as well as a 10% penalty tax if you are younger than 59 1/2. 也, 当你直接取现金的时候, the IRS only allows you 60 days from the date of receipt of the funds to 展期 the funds to another plan or IRA.
额外的翻转警告
- Only one in直接翻转 is permitted in a 12-month period (not calendar year).
- 转账必须从一个账户到另一个账户，而不是多个账户.
参观 国税局的网站 或者向您的税务顾问咨询更多信息. 帮助ful tools can also be found on the Social 安全 Administration's website, ssa.政府. You can see a detailed comparison of your retirement benefits at different ages. A 合格财务顾问 能帮助你清楚地了解你的财务选择吗.
