Retirement Read Time: 4 min

Choices for Your 401(k) at a Former Employer

流动劳动力的一个共同主线是,许多离职的人面临着如何处理他们的401(k)账户的决定.¹

个人在以前的雇主那里积累的401(k)账户有四种选择.2

Choice 1: Leave It with Your Previous Employer

你可以选择什么都不做,把你的账户留在前雇主的401(k)计划中. However, if your account balance is under a certain amount, 请注意,你的前雇主可能会选择将资金分配给你.

将你的401(k)计划保留在你的前雇主那里可能是有原因的——比如投资成本较低或计划之外的可用性有限. 其他的原因是保留某些债权人保护,这些保护对于合格的退休计划来说是独一无二的, or to retain the ability to borrow from it, if the plan allows for such loans to ex-employees.3

主要的缺点是,个人可能会与旧的帐户断开连接,较少关注其投资的持续管理.

Choice 2: Transfer to Your New Employer’s 401(k) Plan

如果你现在的雇主的401(k)计划接受从原有的401(k)计划中转移资产, you may want to consider moving these assets to your new plan.

转移的主要好处是方便合并您的资产, retaining their strong creditor protections, and keeping them accessible via the plan’s loan feature.

If the new plan has a competitive investment menu, 许多人更喜欢转帐,与前雇主彻底决裂.

选择3:将资产转到传统的个人退休账户(IRA)

另一个选择是将资产转入新的或现有的传统个人退休账户. 传统的个人退休账户可能会提供一些新的401(k)计划中不存在的投资选择.4

这种方法的缺点可能是对债权人的保护更少,而且无法通过401(k)贷款获得这些资金.

Remember, don’t feel rushed into making a decision. 你有时间考虑你的选择,可能想寻求专业指导来回答你可能有任何问题.

Choice 4: Cash out the account

The last choice is to simply cash out of the account. However, if you choose to cash out, 如果你的年龄在59岁半以下,你可能需要对余额缴纳普通所得税,并提前支付10%的取款罚金. 此外,雇主可能会保留你账户余额的20%,以提前支付你所欠的税款.

Think carefully before deciding to cash out a retirement plan. Aside from the costs of the early withdrawal penalty, 把钱从一个账户中取出还有额外的机会成本,而这个机会成本有可能在递延纳税的基础上增长. For example, taking $10,从401(k)计划中拿出000美元,而不是转到一个平均收入8%的递延税收入的账户中,这样可以留给你100美元,000 short after 30 years.5

1. Under the SECURE Act, in most circumstances, 在你72岁的时候,你必须开始从你的401(k)计划或其他固定缴款计划中获取所需的最低分配. 从401(k)计划或其他固定缴款计划中提取的收入按普通收入征税, and if taken before age 59½, may be subject to a 10% federal income tax penalty.
2. FINRA.org, 2021
3. A 401(k) loan not paid is deemed a distribution, 如果账户所有者年龄在59岁半以下,则需要缴纳所得税,并缴纳10%的税收罚金. If the account owner switches jobs or gets laid off, 任何未偿还的401(k)贷款余额将在个人提交联邦纳税申报单时到期. Prior to the 2017 Tax Cuts and Jobs Act, 雇员通常必须在离职后60天内偿还贷款,否则将面临潜在的税收后果.
4. Under the SECURE Act, in most circumstances, once you reach age 72, 你必须开始从传统的个人退休帐户(IRA)中提取最低要求的分配. Withdrawals from Traditional IRAs are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. 根据安全法案,只要你满足劳动收入要求,你可以在超过70岁半的时候继续向传统IRA账户缴款.
5. This is a hypothetical example used for illustrative purposes only. 它不代表任何具体的投资或投资组合.

内容是发展的来源被认为是提供准确的信息. 本材料中的信息并非用于税务或法律咨询. 它不能用于避免任何联邦税收处罚的目的. 请向法律或税务专业人士咨询有关您个人情况的具体信息. 本材料是由FMG Suite开发和制作的,以提供love爱博体育app下载可能感兴趣的主题的信息. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和提供的材料是为一般信息, 而不应被视为招揽购买或出售任何证券. Copyright 2021 FMG Suite.

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