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Should I Roll My 401k Over Into an IRA?

  Рет қаралды 9,048

Sensible Money, LLC

Sensible Money, LLC

Күн бұрын

Are you wondering if you should roll your 401(k) over into an IRA? Of course there are pros and cons. This video will walk you through them to help you make the best decision.
DISCLOSURES
This presentation contains general information that is not suitable for everyone and was prepared for informational purposes only. Nothing contained herein should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice.
Sensible Money, LLC (“SM” or "the Firm") is a registered investment adviser. Registration is a legal requirement - it does not imply approval or endorsement. For additional information about SM, including its services and fees, you can request a copy of SM’s disclosure brochure by emailing us at info@sensiblemoney.com or visit www.advisorinfo.sec.gov.
Any charts in the presentation are not meant to show the performance of SM strategies or to imply the performance of any model portfolios. Any charts or examples are meant to show the Firm’s belief in sticking to a plan over time, but there is no guarantee that you will have the same or positive results. Any results portrayed in these cases or examples are not representative of all of SM’s clients or the clients’ experiences.
No portion of this presentation should be interpreted as a testimonial or endorsement of SM’s investment advisory services. Past performance is not a guarantee of future results. When investing, depending on your timing, you could lose money. There is no guarantee that the prevailing market and economic conditions during the time frames in the graphs will continue, and performance may be negatively impacted by a shift in such conditions. This presentation contains general information that is not suitable for everyone and was prepared for informational purposes only.

Пікірлер: 5
@RetiredTop43
@RetiredTop43 3 ай бұрын
I just looked at what I have paid (fees) my investment company that handles my IRA's. It is astronomical. I have only made 3% overall through the last 10 years combined. This is a no brainer to me.
@joshuaburns6410
@joshuaburns6410 5 ай бұрын
If you are doing annual backdoor Roth conversions, you need to carefully consider the (likely) tax liability when mixing 401(k) funds into the traditional IRA.
@HB-yq8gy
@HB-yq8gy Жыл бұрын
These financial gurus try to scare you so that is so difficult to roll over. All you gotta do is call the financial institution to learn the rules. Also, the rollover company will walk you through the whole process if it's doable or not. Plus most CFPs want to manage all your investment accounts at 1% AUM & a comprehensive review that cost $7000 -$10,000!! Crazy run don't walk.
@Just_forfun9140
@Just_forfun9140 Жыл бұрын
They make it very easy to put money into 401K/ 403B, but they make it very difficult to take money out when you are retired. Pro-rata method of withdrawal will cause losses, this is just because their system cannot handle fund specific withdrawals. If you have sufficient money in Money Market fund, why take out money from other funds that lost 25% during this year. Sometimes Employers put a restriction, only pro-rata is allowed although the Administrator's system can handle fund specific withdrawal. Its your money, they are putting hurdles to get your money back. I imagine some law firm will file a Class action law suit for losses one incurs with these unnecessary restrictions.
@Just_forfun9140
@Just_forfun9140 Жыл бұрын
1. 401K/ 403B assets are protected not only from bankruptcy and creditors, but also from lawsuits as I read somewhere? 2. Read somewhere in an article 403B is not subject to RMD, I doubt ?
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