401(k) Rollover and Transfer IRA*
Consolidate existing 401(k)s and IRAs into one easy-to-manage account with a 401(k) Rollover or Transfer IRA.
Is a 401(k) Rollover or Transfer IRA right for me?
If you’ve changed jobs or are preparing to retire, you may have account balances in multiple retirement savings accounts. We're here to help you understand your options.
A rollover or transfer may be right for you if you want to…
Get a clear, centralized view of your investments
Having all of your retirement assets in one place makes it easier to track progress toward your goals and ensure your investments are working effectively together.
Maximize your savings potential
Move your money without triggering a taxable event, continue to benefit from your savings’ tax-advantaged status, and resume contributing to your savings, if eligible.
Gain access to your money
Get penalty-free access to your savings, if eligible, for specific significant life events, such as paying for college or buying a first-time home.
Ease retirement complexities
Consolidating assets may make it easier to manage required minimum distributions (RMDs) and income strategies and make things simpler for your heirs.
Unlock exclusive client benefits
As your assets with us increase, so may your benefits. Earn preferred access to closed funds, lower-cost I Class shares, and more through our Summit Program, our complimentary tiered benefits program.
RolloverConcierge makes it easy
Get dedicated start-to-finish rollover assistance from a licensed Financial Consultant.
Explore your investment options
Whether you want an all-in-one Retirement Fund, prefer to build and manage your own portfolio, or are looking for professional advice, we have options that fit your needs.
Retirement Funds
Get a pre-assembled, professionally managed portfolio that automatically adjusts to become more conservative over time—all in one simple investment.
Mutual Funds
Build and manage your own portfolio with over 100 professionally managed, low-cost mutual funds.
Retirement Advisory Service
Partner with a T. Rowe Price advisor to define a vision for your future and design an actionable plan to help you get there.
TIP: Did you know that you can convert a Traditional IRA or pre-tax retirement plan assets to a Roth IRA?
RolloverConcierge
Let us help handle your rollover—from start to finish. With this free service, you’ll get a dedicated Financial Consultant who can help you roll over and invest old 401(k)s in three simple steps. We’ll even help contact your current provider and assist with paperwork.
Roll over with 1:1 dedicated support.
Investment flexibility may enhance risk-adjusted returns.
Open a Rollover IRA
Partner with a Financial Consultant to establish a new Rollover IRA account. If you already have an IRA with us, you may be able to skip this step.
Select your investments
Work with your consultant to select investments appropriate for your time horizon and personal retirement goals.
Fund your account
Your consultant will guide you through the process of initiating the rollover from your current plan provider and inform you when your account is funded.
Grow your retirement with us
Roll over old 401(k)s*
Don’t let old workplace plans be the boss of your retirement savings. Roll over and take control.
Transfer scattered IRAs
If you have IRA assets across multiple investment firms, bringing your accounts together in to one place can make your savings easier to manage.
Is a rollover or transfer right for you?
Speak with one of our trusted financial consultants.
Monday–Friday, 8 a.m.–8 p.m. ET
*Consider all available options, which include remaining with your current retirement plan, rolling over into a new employer's plan or IRA, or cashing out the account value. When deciding between an employer-sponsored plan and IRA, there may be important differences to consider, such as range of investment options, fees and expenses, availability of services, and distribution rules (including differences in applicable taxes and penalties). Depending on your plan's investment options, in some cases, the investment management fees associated with your plan's investment options may be lower than similar investment options offered outside the plan.
The principal value of the Retirement Funds is not guaranteed at any time, including at or after the target date, which is the approximate year an investor plans to retire (assumed to be age 65) and likely stop making new investments in the fund. If an investor plans to retire significantly earlier or later than age 65, the funds may not be an appropriate investment even if the investor is retiring on or near the target date. The funds’ allocations among a broad range of underlying T. Rowe Price stock and bond funds will change over time. The funds emphasize potential capital appreciation during the early phases of retirement asset accumulation, balance the need for appreciation with the need for income as retirement approaches, and focus on supporting an income stream over a long-term post retirement withdrawal horizon. The funds are not designed for a lump-sum redemption at the target date and do not guarantee a particular level of income. The funds maintain a substantial allocation to equities both prior to and after the target date, which can result in greater volatility over shorter time horizons.
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