Benefits of a rollover
- Maintain tax-deferred status 和 avoid paying a 10% tax penalty. This can be done by moving money directly from a previous employer's plan to a 国营农场® 传统的爱尔兰共和军.
- Watch your savings continue to grow-tax deferred. This means that no amount in the IRA will be taxable until withdrawn from the IRA. Tax-deferred growth enables money to grow faster than it would in a taxable account.
- Consolidate 和 manage retirement assets.
Disadvantages of rolling over an IRA
- You may be eligible for favorable tax treatment withdrawals if your 401(k) is invested in company stock.
- A 401(k) may provide greater protection from lawsuits 和 creditors.
- You may be able to get a loan from an employer-sponsored 401(k) account, but not from an IRA.
Consolidating your accounts into a 国营农场 传统的爱尔兰共和军 can make it easier to track balances 和 monitor withdrawals. With 国营农场 Investment Planning Services, you have access to a trained registered agent, a broad range of mutual funds 和 other investments, 比如年金.
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风险披露
A 10% tax penalty may apply for withdrawals from tax-qualified products before age 59½.
Prior to rolling over assets from an employer-sponsored retirement plan into an IRA, it's important that customers underst和 their options 和 do a full comparison on the differences in the guarantees 和 protections offered by each respective type of account as well as the differences in liquidity/loans, types of investments, 费用, 和 any potential penalties.
Before investing, consider the funds' investment objectives, risks, charges 和 expenses. This 和 other important information is contained in the fund 招股说明书 和 summary 招股说明书 which can be obtained by visiting wsslj.net. 仔细阅读. Securities distributed by 国营农场 VP Management Corp.
Securities are not FDIC insured, are not bank guaranteed 和 are subject to investment risk, including possible loss of principal.
Neither 国营农场® nor its agents provide tax or legal advice.
AP2023/05/0510