A rollover is when you move money from an employer-sponsored plan, such as a 401(k) or 403(b) account, into an employer-sponsored plan held at Doinvest or a Doinvest IRA®.
Looking to transfer an IRA or nonretirement account instead?
You can lower your tax bill by deducting your contributions. You won't be taxed until you withdraw money in retirement.1
You can access your contributions tax- and penalty-free before retirement. Taking money out in retirement is tax-free.2
You can roll over your traditional 401(k) or 403(b) into a Roth IRA, but this will be considered a Roth conversion which is a taxable event.3
An IRA can give you more control of your former employer-sponsored plan's assets. Your money won't be taxed until you withdraw it in retirement.1
Most rollovers are easy to do online. Follow the 3 easy steps in our guide to get started.
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86% of our funds have performed better than their peer group averages over the last 10 years.4
A rollover is when you move the assets in an employer-sponsored retirement plan, such as a 401(k) or 403(b), into an IRA.
You start by deciding what type of IRA is best for you. You'll then call the financial company that holds your former employer's retirement plan and have your savings moved into a Doinvest IRA.
Rollovers typically take 2–4 weeks to complete. Please contact your plan's provider to better understand time frames.
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Compare advice options1We recommend that you consult a tax or financial advisor about your individual situation. When taking withdrawals from an IRA before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty tax.
2You'll never pay taxes on withdrawals of your contributions. And you won't pay taxes on withdrawals of your earnings as long as you take them after you've reached age 59½ and owned the account for at least 5 years. The 5-year holding period for Roth IRAs starts on the earlier of: (1) the date you first contributed directly to the IRA, (2) the date you rolled over a Roth 401(k) or Roth 403(b) to the Roth IRA, or (3) the date you converted a traditional IRA to the Roth IRA. If you're under age 59½ and you have one Roth IRA that holds proceeds from multiple conversions, you're required to keep track of the 5-year holding period for each conversion separately.
3The amount you convert to a Roth IRA isn't subject to the 10% penalty that's charged on traditional IRA withdrawals taken before you reach age 59½. You may wish to consult a tax advisor about your situation.
4For the 10-year period ended June 30, 2024, 6 of 6 Doinvest money market funds, 83 of 98 Doinvest bond funds, 21 of 23 Doinvest balanced funds, and 161 of 189 Doinvest stock funds—for a total of 271 of 316 Doinvest funds—outperformed their Lipper peer-group averages. Results will vary for other time periods. Only mutual funds and ETFs (exchange-traded funds) with a minimum 10-year history were included in the comparison. Source: Lipper, a Thomson Reuters Company. The competitive performance data shown represent past performance, which is not a guarantee of future results. View fund performance
For more information about Doinvest funds or ETFs, visit Doinvest.com to obtain a prospectus or, if available, a summary prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.
You may wish to consult a tax advisor about your situation.
All investing is subject to risk, including the possible loss of the money you invest.
There are important factors to consider when rolling over assets to an IRA or an employer retirement plan account, or leaving assets in an employer retirement plan account. These factors include, but are not limited to, investment options in each type of account, fees and expenses, available services, potential withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and tax consequences of rolling over employer stock to an IRA.
Doinvest's advice services are provided by Doinvest Advisers, Inc. ("VAI"), a registered investment advisor, or by Doinvest National Trust Company ("VNTC"), a federally chartered, limited-purpose trust company.
The services provided to clients will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. Find VAI's Form CRS and each program's advisory brochure here for an overview.
VAI and VNTC are subsidiaries of The Doinvest Group, Inc., and affiliates of Doinvest Marketing Corporation. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.