401(k) Rollover Basics

Managing your money shouldn't be as hard as earning it

A rollover is a transfer of funds from one qualified retirement account to another, such as a 401(k) rollover to an IRA, or an IRA to another IRA. But why should you roll over? It's simple: keeping track of multiple retirement plans can be inefficient, complicated and costly. So, if you've changed jobs, retired, are about to retire — or just want greater ease and convenience when it comes to managing your financial future — rolling over one or multiple retirement accounts to a TD AMERITRADE Easy IRA is a great way to put your retirement dollars to work for you.

Choice: Make your money work harder with powerful investment vehicles

With a TD AMERITRADE Easy IRA, you can choose from stocks, bonds, CDs, mutual funds, ETFs and more. Plus, you'll enjoy access to online tools and calculators, investment seminars, third-party retirement planning research, portfolio guidance and other resources you won't find with the typical employer-sponsored 401(k) plan.

Confidence: Get on track quickly with a no-hassle rollover

Consolidating your retirement savings into one convenient, easy-to-monitor account is fast and hassle-free, thanks to our straightforward rollover process.

Cost savings: Take your money further with no fees

Rolling over your old 401(k) or transferring your IRA into a TD AMERITRADE Easy IRA is free and there are no setup or annual fees. Plus, you'll avoid costly cash distribution penalties and taxes if you were planning to cash out your accounts.

Consultation: Get the help you want and deserve

Visit a TD AMERITRADE branch to speak with an Investment Consultant who can help you assess your financial goals. Or call a Rollover Specialist at 800-765-5185 who can help you with the rollover process from start to finish.

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See Also...

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  • Portfolio Planner

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  • Bond ladders

    See how they may help you decrease the overall risk of your fixed-income portfolio
 

 

Before investing in an ETF or mutual fund, carefully consider the investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, contact a Client Services representative at 800-669-3900. Please read the prospectus carefully before investing.

ETFs entail risks similar to direct stock ownership. Diversification does not eliminate the risk of experiencing investment losses.

Offer valid for clients who open a new TD AMERITRADE retirement account or a new eligible TD AMERITRADE Investing Account (IRA) using the Amerivest service by 01/31/09 and meet funding requirements within 6 months of account opening, or add required funding to an existing TD AMERITRADE retirement account with a transfer of assets from a qualified retirement plan within 6 months of registering online for the offer. Funding/rollover of $25,000 - $99,999 receives $100, funding/rollover of $100,000 - $249,999 receives $250, funding/rollover of $250,000 or more receives $500. Limit one offer per client. Not transferable and not valid with internal transfers or with other offers. Cash awards are valid within your IRA only and non-transferable to another existing TD AMERITRADE account. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. Void where prohibited. Please allow 3-5 business days for any cash deposits to post to account. Account must remain open with minimum funding for 9 months, or TD AMERITRADE may charge the account for the cash awarded to the account. TD AMERITRADE reserves the right to restrict or revoke this offer. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business.

Amerivest is an investment advisory service of Amerivest Investment Management, LLC, an SEC registered investment advisor. Brokerage services are provided by TD AMERITRADE, Inc. Amerivest Investment Management, LLC and TD AMERITRADE, Inc. are both wholly owned subsidiaries of TD AMERITRADE Holding Corporation. Amerivest is a trademark of TD AMERITRADE IP Company, Inc.

TD AMERITRADE, Inc., member FINRA/SIPC. TD AMERITRADE is a trademark jointly owned by TD AMERITRADE IP Company, Inc. and The Toronto-Dominion Bank. © 2008 TD AMERITRADE IP Company, Inc. All rights reserved. Used with permission.

TD AMERITRADE does not provide tax advice.