রবিবার, ৯ ডিসেম্বর, ২০১২

If own stocks in a 401k and then roll it over into an IRA am I forfeiting ...

Yo?
First, you have to liquidate (sell) all the holdings in your 401k. Then the 401k company will send a check to the IRA company (make DAMN sure they don?t send it to you), then you buy your new holdings just like you would in a regular brokerage account.
The good news is that you can simply re-buy all the holdings that you just sold. As long as the transactions happen quickly (within a few days), you will not likely forfeit any growth. In my case, the market went down in the meantime, so I got to re-buy at lower levels!
IRA accounts usually don?t have any limits on what you can buy, so they are a great advantage over the 401k. The only way this can be a bad thing for you is if you work somewhere that has completely kick-*ss 401k options that are not available to the public (and therefore IRA holders). Just buy a bunch of different Vanguard index funds in the IRA. Those will set you straight in terms of asset allocation and fees.

So the answer to your question is YES.

Source: http://rothira.solve-up.com/roth-ira/if-own-stocks-in-a-401k-and-then-roll-it-over-into-an-ira-am-i-forfeiting-those-stocks/

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