Top 5 401(k) Rollover Questions to Ask Your Advisor
You might think 401(k) rollovers are less common than they actually are. Like dusty boxes in an attic, many people have an planong itinataguyod ng employer from a former job, such as a 401 (k), lying around. 您可能认为 401(k) 计划的翻滚并不像实际情况那么普遍。就像阁楼里满是灰尘的盒子一样，许多人身边都有一份来自前工作的计划，例如 401 (k)。 Its not uncommon to speak with someone who has worked for several different companies over the last 10 years, which is indicative of a fast-paced corporate world and its tumultuous tendency to show more favor to the bottom line than to the people who drive it. 与在过去 10 年中曾在多家不同公司工作过的人交谈并不罕见，这表明企业界节奏很快，而且动荡不安的趋势是更看重底线而不是推动它的人。 If youve participated in a company-sponsored plan and your employment ends, whether voluntarily or not, you likely have a plan sitting in investment limbo. If you do, you need to choose what to do with it and a rollover is one option. 如果您参加了公司赞助的计划并且您的工作结束了，无论是自愿还是非自愿的，您的计划都可能处于投资边缘。如果这样做，您需要选择如何处理它，而翻转是一种选择。 Key Takeaways 关键要点 Rolling money over from a 401(k) doesnt happen as frequently as people think. 从 401(k) 计划中滚存资金并不像人们想象的那么频繁。 Examine all of your options before you decide whether a rollover is right for you. 在决定滚动是否适合您之前，请检查您的所有选项。 Make sure you understand how the plan fees will change if you roll over your funds. 确保您了解如果您将资金展期，计划费用将如何变化。 Consider the possibility of a Roth conversion, which changes pre-tax to after-tax dollars. 考虑 roth 转换的可能性，它将税前美元变为税后美元。 Consult a tax or financial expert if youre unsure of how rollovers affect your