Rollover Services

Old 401(k)s Are Important for Your Future

Get Help With This Critical Decision

Deciding what to do with an old 401(k) is critical for retirement. You have options and we can help you find answers. What’s most important is that your decision fits you and helps you stay on track for the future. That’s where we can help. And there’s no charge to you.

The best place to start is to talk to a consultant who will make the process as quick and easy as possible.

Speak with one of our Rollover Specialists

Open An Account.

If you already know you want to roll your money into an IRA, start now: Open an Account

Weigh Your Options  |  Ready to Rollover  |  DIY-Start a Rollover

Discover the Difference of Working With Us

When it comes to your money, you should be picky.  If you choose to work with us, we believe our 60 years of experience and commitment will be evident. We want you to make the best decision for your money--even if it's not with us. We also have a unique purpose: to support medical research aimed at defeating devastating diseases, such as cancer. Investing with us makes you part of the story.

Learn how our story can be your story 

Weighing Your Options? Get Guidance for Your Next Step

One of our specialties is helping people with their retirement goals, and that includes with decisions about what to do with money in a former employer’s plan. We can talk you through the pros and cons of each of the choices and help you find the right choice for you. Find out more about each option.

Keep it in a former employer’s plan.

Keep it in a former employer’s plan

Move it to a new employer’s plan.

Move it to a new employer’s plan

Cash it out with potential taxes and penalties.

Cash it out with potential taxes and penalties

Roll it into an IRA.

Roll it into an IRA

Call for Guidance—There’s No Charge1-888-345-9166

You’ve Decided to Roll Over. Now What?

If you’re ready to roll over, we’re ready to help. You can have high expectations for working with us. The process can seem complicated, but really all you need is to make one phone call. Our moving specialists will:

  • Serve as your single point of contact and help manage the move.
  • Offer insights based on our experience with moving money from employer plans.
  • Help initiate the move with you and assist with the paperwork (ours and the employer’s).
  • Guide you through investment choices.
  • Monitor the process and let you know when we receive your assets.

Let’s Get Started. Call 1-888-345-9166

Still Thinking? There’ More to Explore About Rolling Over

  • DIY Start Your Rollover
  • Educational Tools
  • Investment Options
  • FAQs

Follow the steps to start your rollover. If you need help along the way, please call 1-888-345-9166.


Start a Rollover

Move money between different retirement accounts. Rollovers are typically from a 401(k), 403(b) or another workplace plan to a Rollover IRA here.

Rollover Checklist

We understand all the different options that you are facing when deciding what to do with your 401(k) money. Our educational pieces and calculators are designed to help you make the decision that's right for you.


Retiring or Changing Jobs?

When you leave your job, it's important to make sure your 401(k) continues to work toward your future.

road signs

Leave It or Take It?

Leaving your job can sometimes raise questions when it comes to your retirement savings. Should I rollover my money? Or should I stay in my old employer's plan?

pig with hammer

Cash Out Calculator

While it may seem tempting to cash out your retirement plan money for emergencies or short-term expenses, know that you could lose a significant portion of that money right from the start.

Icon of hand with lightbulb.

Learn More About Rollovers

You don't have to leave your retirement money behind. Learn more about the benefits of rollovers, and find out how easy it is to get started.

We believe a sound diversification strategy aligned with your goals is the foundation of long-term investing success. A good mix of investments is key to weathering the ups and downs of the market. Explore our target date portfolios designed specifically for retirement investing, or build your own portfolio from our complete list of funds.

Option 1: Invest with Target Date Portfolios

Explore One Choice® Target Date Portfolios, designed specifically for retirement investing. Simply find a fund based upon your birth year and future retirement date. Your money will be automatically diversified in up to 16 funds in a single investment.

A One Choice Target Date Portfolio's target date is the approximate year when investors plan to retire or start withdrawing their money. The principal value of the investment is not guaranteed at any time, including at the target date.

Each target-date One Choice Target Date Portfolio seeks the highest total return consistent with American Century Investments' proprietary asset mix. Over time, the asset mix and weightings are adjusted to be more conservative. In general, as the target year approaches, the portfolio's allocation becomes more conservative by decreasing the allocation to stocks and increasing the allocation to bonds and cash equivalents.

Explore One Choice Target Date Portfolios

Key Benefits

  • Instant, broad diversification
  • Professionally and actively managed
  • Adjusts to more conservative positioning

Learn more about Target Date Portfolios

One Choice Target Date Portfolios Offered

One Choice® In Retirement Portfolio

  • Birth Year: 1957 or earlier
  • Retirement Year at Age 65: 2022 or earlier

One Choice® 2025 Portfolio

  • Birth Year: 1958 - 1962
  • Retirement Year at Age 65: 2023 - 2027

One Choice® 2030 Portfolio

  • Birth Year: 1963 - 1967
  • Retirement Year at Age 65: 2028 - 2032

One Choice® 2035 Portfolio

  • Birth Year: 1968 - 1972
  • Retirement Year at Age 65: 2033 - 2037

One Choice® 2040 Portfolio

  • Birth Year: 1973 - 1977
  • Retirement Year at Age 65: 2038 - 2042

One Choice® 2045 Portfolio

  • Birth Year: 1978 - 1982
  • Retirement Year at Age 65: 2043 - 2047

One Choice® 2050 Portfolio

  • Birth Year: 1983 - 1987
  • Retirement Year at Age 65: 2048 - 2052

One Choice® 2055 Portfolio

  • Birth Year: 1988 - 1992
  • Retirement Year at Age 65: 2053 - 2057

One Choice® 2060 Portfolio

  • Birth Year: 1993 - 1997
  • Retirement Year at Age 65: 2058 - 2062

One Choice® 2065 Portfolio

  • Birth Year: 1998 and after
  • Retirement Year at Age 65: 2063 and after

Option 2: Build Your Own Portfolio

Research your portfolio from our complete list of actively managed mutual funds.

Research All Funds

Frequently Asked Questions


What is a Rollover IRA?

What happens if I take the cash?

Can I make contributions to my Rollover IRA?

Can I contribute to a 401(k) and an IRA?

I also have Roth money. Can I roll that over too?

Who is American Century Investments?

Let’s Take Care of Your Old 401(k)

We’re here to help with decision about what to do with your money and to guide you with your next steps. And it won’t cost you anything.

Call a Rollover Specialist at 1-888-345-9166 or get started with a Rollover IRA today.

Rollover Now

You could lose money by investing in a mutual fund, even if through your employer's plan or an IRA. An investment in a mutual fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

This information is for educational purposes only and is not intended as a personalized recommendation or fiduciary advice. There are different options available for your retirement plan investments. You should consider all options before making a decision. Our representatives can help you evaluate all of your distribution options.

Diversification does not assure a profit nor does it protect against loss of principal.

Please consult your tax advisor for more detailed information regarding the Roth IRA or for advice regarding your individual situation.

Taxes are deferred until withdrawal if the requirements are met. A 10% penalty may be imposed for withdrawal prior to reaching age 59½.

IRA investment earnings are not taxed. Depending on the type of IRA and certain other factors, these earnings, as well as the original contributions, may be taxed at your ordinary income tax rate upon withdrawal. A 10% penalty may be imposed for early withdrawal before age 59½.