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re: New Job: Transfer old 401k to new or Rollover to IRA
Posted on 7/25/14 at 2:14 pm to Sigma
Posted on 7/25/14 at 2:14 pm to Sigma
quote:
I know if I want to eventually do a back door Roth, I should stay away from the IRA option. But I don't really see myself doing that either.
Some other points to consider is you may have more creditor/lawsuit protection in a 401k vs IRA depending on what your state provisions allow, and a 401k allows penalty free withdrawals at 55 instead of 59.5, so if early retired you could start Roth conversions at that point perhaps at a lower marginal tax rate, etc. If the new 401k has good options at low cost that is one thing, if poor/high cost options then IRA looks much more appealing.
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