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tu chi sei ?
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Quién eres tú ?
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Wer bist du ?
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INSTITUTIONS
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RETIREMENT PLAN INVESTOR
Use your plan ID (available on your account statement) to determine which employer-sponsored retirement plan website to use:
IF YOUR PLAN ID BEGINS WITH IRK, BRK, 754, 1 OR 2
Visit americanfunds.com/retire
IF YOUR PLAN ID BEGINS WITH 34 OR 135
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ABOUT RETIREMENT PLANS
DEVELOP INVESTMENT STRATEGY
CHANGING NEEDS
LIFE STAGES
OTHER REFERENCES
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FUND INFORMATION
Cash out vs. Roll into an IRA
BenefitsYour money can continue to grow tax-deferred. |
BenefitsYou have cash in hand to take care of current needs. |
Keep in mindRoth 401(k) or 403(b) accounts will be rolled into a Roth IRA. Non-Roth accounts can be rolled into a traditional IRA or, if certain eligibility rules are met, into a Roth IRA. Rollovers to Roth IRAs from non-Roth accounts are taxable. Make sure the rollover funds go directly from your old plan’s trustee to the rollover IRA’s trustee or custodian to avoid having income tax withheld on the taxable portion of your distribution. |
Keep in mindMoney you spend now won’t be there for you later. Your employer must withhold 20% of the taxable portion of your distribution for federal income taxes. You may owe more at tax time. A 10% early withdrawal penalty may apply if you’re under age 59-1/2. If you’re 55 or older when you leave your job, withdrawals are penalty-free but still taxable. Other exceptions may apply. Withdrawals from Roth accounts are tax- and penalty-free if the account was established at least five years before, and if you are at least 59-1/2 years of age, are disabled or have died. You may owe state and local taxes on the taxable portion of your distribution. |
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. All other company and product names mentioned are the property of their respective companies.
Use of this website is intended for U.S. residents only.
American Funds Distributors, Inc.
This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.