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I have some retirement money from a previous employer that is still in their retirement plan. I am about to get that out and put it in a conduit IRA. From what I can see, it looks like that will be my best bet so that I can manage that myself for my retirement. However, is there ever a case where it is worthwhile to roll that money into another company's retirement plan if I work for an employer that will accept it.
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IRAs and QRPs have slightly different withdrawal possibilities (when you can withdraw, what options you have). Some retirement plans might have beter things available if you have over a certain amount invested.

The biggest benefit of lumping it all together is the ease of paperwork and bookkeeping. The few tangible benefits aren't really worth considering.

It's not a big issue.
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You CAN (but normally shouldn't) borrow from a 401k
and you cannot borrow from an IRA.
It is possible that your new employer will offer a group of really good options.
Actually the main reason I'd think of transferring
a rollover IRA to a new employer's 401k would be if there was a real need (my spouse has cancer?) to borrow against that money early.
It is not wise to borrow it anyway if you can find any alternative. Best wishes, Chris
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