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If you’re leaving your job for a new employer, it’s important to address whether or not to roll over your 401(k).
The wrong decision could cost you.
401(k) rollover requires the following steps:
Decide where you want the money to go.
Decide what kind of account you want.
Contact the right institution to open your account.
See what the procedure is to begin the rollover process.
Remember the 60-day rule.
Rolling over a 401k with a high expense ratio into a fee-free individual retirement account (IRA) could save you a substantial amount of money. According to the Department of Labor a 1 percent increase in fees could reduce your retirement account balance by 28 percent.
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