Changing jobs and moving your 401k
If you've invested in your employer's 401k retirement plan, 换工作时，你可以做以下四件事，让你的退休计划步入正轨.
Changing jobs can be stressful. You have old projects to finish and new responsibilities to learn. 但当你收拾好个人物品，搬到下一个工作地点时, don't forget about your retirement account.
你投进去的钱是你的，但你可能不知道该怎么做. 我们在这里帮助你了解你的选择，并继续为你的未来做准备.
Leave 401k funds with your previous employer
最简单的办法可能是把你的资产留在前雇主的退休计划中, 但在选择此选项之前，您需要考虑一些细节.
Generally, 只有当你的账户余额超过5美元时，你才能把钱留在前雇主的计划中,000. 如果你只有5000美元或更少，你可能需要全额分配. This can be in the form of a rollover. 如果你以现金领取，你可能会受到税收和罚款.
Also, if you leave your money in your former employer's plan, you'll be limited to that plan's investment choices and payout options, 这可能比你把钱转到个人退休账户更有限. 此外，在大多数情况下，你将无法再提供捐款或贷款. And you may have to pay extra service or administrative fees, along with the possibility of having transaction limits imposed.
如果你决定把你的退休储蓄留给以前的雇主, 确保你的联系信息是最新的，这样你就可以继续收到声明和其他相关信息.
Roll over to new employer's retirement plan
你可以将你的资产从你的前雇主的计划中直接转移到你的 new employer's plan. 这种直接展期可以让你的钱继续投资于递延纳税计划, and you incur no taxes or penalties for the move.
Before you make this decision, 你需要重新审视新计划中的投资选择和灵活性. Options and withdrawals may be more limited than your previous plan. 此外，您可能需要等待一年或更长时间才有资格参加.
Roll over to an IRA
雇主计划的设计是为了满足许多人的需求，而不仅仅是你自己的需求. But fortunately, you don't have to be tied to a former employer's plan.
你可以将你的资金直接从你前雇主的401k转入个人退休账户. 通过完成直接滚转，您可以避免强制性的20%联邦所得税预扣.
A rollover to an IRA 如果你想对自己的退休资产有更多的控制权，这可能是个好主意. Additionally, 这个选择可以简化你的退休计划，因为你所有的投资都集中在一个金融机构. There are two types of IRA's that you can rollover to: Traditional and Roth IRA.
Traditional
你可以将你的资金直接从你的前雇主的401k转入 Traditional IRA. 通过完成直接滚转，您可以避免强制性的20%联邦所得税预扣.
Roth IRA
If you roll money into a Roth IRA from a Traditional 401k, you'll be taxed on the money going into the account, 但是，当你取钱的时候(在你年满59岁半，并且在账户上存了5年或更长时间之后)，你不需要缴纳联邦所得税。. Money from a Roth 401k can be rolled into a Roth IRA tax-free.
Cash out of your old 401k plan
你不必等到退休后才从你的退休计划中取钱. It's yours, 而套现将为您提供一笔一次性的现金分配，以支票的形式直接支付给您. But there are several reasons this may not be the best option for you.
If you cash out of your old plan, 你将耗尽你的退休储蓄账户，需要重新开始. Also, you won't receive the balance of your account. 你的雇主将被要求预扣20%的联邦所得税. If you are in a higher tax bracket, you may owe more tax. 如果你在59岁半之前从401k中取钱，你可能还需要支付10%的罚款. 如果你在55岁或55岁以上离开公司，10%的罚款可能不适用.
It is highly recommended that you consult with your tax adviser before cashing out your retirement plan.
Keep an eye on the future
Remember, saving and planning are key to a comfortable retirement. Whatever you choose to do with your 401k when you change jobs, our agents 这里有帮助你确保你的决定符合你的退休目标吗.
