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If you keep your rollover IRA funds in a separate account, you retain the right in the future to roll it into another employer's 401k. You CAN add funds like any other IRA, but if you do you lose the right to roll it into another 401k.

That was true in the past, but no longer. Effective January 1, 2002, any money in a traditional IRA that has yet to be taxed (i.e., pretax annual contributions, employer plan rollovers and earnings) may be transferred to an employer's retirement plan that accepts such transfers. The only IRA money that is now restricted from a transfer to an employer's plan is that stemming from after-tax, or nondeductible, contributions.

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