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Why wouldn't you recommend to roll the 401(k) money into an existing IRA? The only disadvantage is that you are comingling 401(k) money with IRA contributions so you cannot roll the money back into a future 401(k) plan, but as most plans I have seen have limited investment opportunities, this disadvantage has never bothered me. In fact, I find it easier to roll my 401(k) money into my exising IRA when I change jobs just because it consolidates the money into one account, so is easier to manage.

Why do you object to doing it like this?


I would object to doing this if the existing IRA is a non-deductible traditional IRA.

IF
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