Definition: Rollover IRA - Examples & Advice | Bolder Money

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Definition

A retirement account that lets you transfer funds from an old employer plan into an IRA without incurring taxes or penalties.

What to consider

Ensure the transfer is done directly to avoid tax complications.
Keep records of the move to track your retirement savings.
Review the new account’s options to optimize growth.

Real world scenarios

After switching jobs, Diana moves her old 401(k) balance into a rollover IRA to gain more investment choices and potentially lower fees.
Nathan keeps track of multiple retirement accounts, eventually consolidating them into a single rollover IRA for simpler management.
To avoid tax penalties, Gabby ensures her 401(k) funds go directly into the rollover IRA, completing a trustee-to-trustee transfer.

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