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401Kロールオーバー
- #1
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- ddog
- 2004/04/02 09:43
詳しい方に質問です。
現在勤めている会社で401Kをはじめてまだ数ヶ月なのですが、もしかしたらやめて他の会社に移る可能性が出てきました。ロールオーバーの手順について説明してもらえますでしょうか？
宜しくお願い致します。
- #11
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前の会社の４０１Ｋにいれておけばいいのです。または＃７、＃８さんが言われるようにロールオーバーＩＲＡに入れてもいいですね。
- #13
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- ddog
- 2004/04/07 (Wed) 20:25
- Report
おお！はなちゃん２さん分かりました。しばらくほっときます。でもこの間税金の払いを少なくするため、あと老後のためと思いIRAを作りました。そこにロールオーバーすることもできるということですか？
- #15
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私もIRAにロールオバーして、その後新しい会社の４０１Kへ移した方がいいと思います。
４０１Kはリタイアメントだけと思ってる人も多いみたいだけど、定年前に死亡、重度の障害になった時に分配配給されます。
非課税にもなるし、すぐ手続きした方が損はしないと思いますよ。
- #14
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IRA には２種類あります。 TraditionalIRAとRoth IRAですが、どちらの口座を開設されたのでしょうか？ 401Kがロールオーバー出来るのはTraditional IRAです。Roth IRAするので有れば、一旦清算する事になります。
- #16
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- ddog
- 2004/04/09 (Fri) 22:17
- Report
はなちゃん２さん、IRAはTraditionalのほうです。teatimeさんも言うとおりなるべく早めにIRAにロールオーバーします。皆様いろいろありがとうございました。どうも転職も本決まりになりそうなので皆様のアドバイスを実際に活かせると思います。ありがとうございました。
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