r/BogleheadsAutre
Rollover to Traditional IRA, or leave in former employer plan?
11 votes·35 commentaires·il y a 3mois
Donnees financieres
- Montant max
- 242k€
Contenu original
What's the thinking on continuing to participate in a previous employer's plan vs rolling over into a traditional IRA? I've got a mix of former employers (401k and 403b), but I'd like to consolidate so that there are fewer moving pieces.
Meilleur commentaire
“Rollover to Traditional IRA is fine unless you need to make use of the backdoor Roth IRA method (MAGI higher than $154k for single filers, $242k for MFJ), because any pre-tax balance in any Traditional, Rollover, SEP, or Simple IRA gets in the way of that process due to the pro-rata rule. Rollover into current employer's 401k is also good way to consolidate things.”