Your 401(k): To roll over, or not to roll over?
Retirement savers have rollovers on their minds
Keeping assets in a 401(k) may be beneficial. Consider:
Lower fees
Many 401(k)s may have lower fees than other plans. Savers may benefit from lower investment expenses and reduced administrative costs.
Additional protection
Investors generally get stronger creditor protection in a 401(k) than an IRA, based on federal law.
Tax considerations
In some cases, moving assets out of a 401(k) plan can create tax implications such as unnecessary capital gains tax.
Loan options
Some 401(k)s offer options to take out loans, while IRAs do not.
Additional fund availability
Many 401(k) plans offer institutional or specialized investment options that may not be available through traditional IRA accounts.
Your financial advisor can help you reach your retirement goals.
Studies show that professionally managed 401(k) accounts can outperform self-directed accounts by 3% per year; that's 75% over the span of 20 years.⁵
Pontera helps retirement savers get professional guidance on their 401(k)s.
Pontera is a fintech company on a mission to help millions of Americans retire better by enabling financial advisors to manage, balance, and report on clients' assets in 401(k)s, 403(b)s, and other workplace-sponsored accounts.
Pontera helps advisors make better choices for their clients.
59% of surveyed financial advisors chose not to roll over a client’s 401(k) into an IRA in 2022 due to better plan benefits and the advisor’s ability to manage these assets in plan via Pontera.⁶
Here's how it works:
1
Your financial advisor invites you to Pontera.
2
You securely connect your retirement accounts to Pontera.
3
Your advisor manages your 401(k) according to your financial goals.
Pontera helps retirement savers get help managing their 401(k)s from their trusted financial advisor. Learn more about the advantages of professional 401(k) management at: pontera.com/solutions/savers
¹ Auto Portability - Increasing Retirement Security for Americans, Retirement Clearinghouse
² Average Number of Jobs in a Lifetime, Zippia, 2026
³ Economic News Release, Bureau of Labor Statistics, 2024
⁴ DC Plan Rollovers Seen as Major Booster to IRA Growth, ASPPA, 2023