In a nonretirement account, switching between investments can lead to taxes on any capital gains. If you already have an IRA and are changing jobs, it's best to keep these assets separate from the assets you're rolling over from your employer's plan. That's because combining the funds will restrict your options. You may roll over assets from a previous employer's plan into a new employer's plan only if the funds were not combined in an IRA with money from other sources. Because employer plan rules on direct rollovers can vary, check with your plan administrator for the correct procedures.
Online help is also available.
It will help you to plan your strategy, outline your options, and initiate a rollover. Inc. All rights reserved. Vanguard Marketing Corporation, Distributor. Your use of this site signifies that you accept our Terms and Conditions of Use .