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Put your old 401(k) in the right place

 

仟喜彩if you have an old 401(k), 457 or 403(b), it’s time to consider your options – including rolling over to a prudential ira.

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Explore your options

Could be good if:

  • You’re interested in a variety of investment options
  • You’d like to make annual contributions
  • You’re looking for continued tax-deferred growth potential

Keep in mind:

  • You may pay annual fees for your IRA
  • You’ll need to be at least 59½ to withdraw your money penalty-free
  • At age 72, minimum distributions are required from rollover and traditional IRAs

Could be good if:

  • You’re happy with your current retirement account
  • Your plan offers better pricing
  • You want your retirement savings to continue growing tax-deferred
  • You left your former employer after age 55 and would like to make tax penalty-free withdrawals

Keep in mind:

  • You can’t contribute to a former employer’s plan
  • You won’t be able to borrow from your former plan’s assets
  • Your investment options may feel limiting
  • Minimum distributions are required at age 72

Could be good if:

  • The new plan offers lower-cost investments
  • The new plan may allow you to take a loan from your rollover assets
  • You’re looking for continued tax-deferred growth potential
  • The new plan allows tax penalty-free withdrawals for anyone over the age of 55

Keep in mind:

  • Your investment options may feel limiting
  • Your new employer’s plan may have higher costs
  • There could be a waiting period to consolidate accounts
  • Your plan may not allow loans or loans from rollover assets

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You also have the option to take the cash value of your account.*

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Thinking of a rollover? Prudential keeps it simple.

You have three ways to rollover your old 401(k). So, let’s get started.

Call a financial advisor

Call 844-703-1226

Start a rollover online

Meet a financial professional

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Already have a retirement plan with us?

Log in to your account or call 877-778-2100

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FAQs

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What sets Prudential apart:

140 years of service

$1.4 trillion in assets**

50 million worldwide customers

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Footnotes

* Cashing out can be a costly option. In addition to losing the tax deferred status of your assets, your employer will withhold 20% of your account balance at the time of distribution. The IRS may consider your payout an early distribution, which means you could owe the 10% early withdrawal penalty on top of combined federal, state and local taxes.

 

**as of 3/31/19

仟喜彩before deciding on which option is the right solution, investors should consider each option and the impact on investment options, fees and expenses, services, protection from creditors and legal judgments, withdrawal rules and potential penalties, and required minimum distributions. for investors with employer stock, there are additional considerations to be aware of, such as the net unrealized appreciation strategy. provides more information on what to consider before moving assets.

 

For Compliance Use Only仟喜彩 1030781-00001-00

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