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Old 401(k)s Are Important for Your Future
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.
Weigh Your Options | Ready to Rollover | DIY-Start a Rollover
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
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.
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:
Let’s Get Started. Call 1-888-345-9166
Follow the steps to start your rollover. If you need help along the way, please call 1-888-345-9166.
Move money between different retirement accounts. Rollovers are typically from a 401(k), 403(b) or another workplace plan to a Rollover IRA here.
If you don't already have an IRA with us, complete our online application.
Prefer a traditional, paper application? Download the form here .
After you open an account, contact your former employer or employer’s plan sponsor to request a direct rollover distribution.
We'll send a confirmation when the check has been deposited to your account. If you haven't received confirmation within four weeks, call us. We’re happy to help determine the status of the rollover.
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.
When you leave your job, it's important to make sure your 401(k) continues to work toward your future.
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?
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.
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.
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.
Learn more about Target Date Portfolios
One Choice® In Retirement Portfolio
One Choice® 2025 Portfolio
One Choice® 2030 Portfolio
One Choice® 2035 Portfolio
One Choice® 2040 Portfolio
One Choice® 2045 Portfolio
One Choice® 2050 Portfolio
One Choice® 2055 Portfolio
One Choice® 2060 Portfolio
One Choice® 2065 Portfolio
Research your portfolio from our complete list of actively managed mutual funds.
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A Rollover Individual Retirement Account (IRA) allows you to save for retirement tax-deferred, meaning you won't pay taxes until you withdraw the money. It's intended for money "rolled over" from a qualified retirement plan. Rollovers involve moving assets from an employer-sponsored plan, such as a 401(k) or 403(b).
Taking your retirement plan money in cash may provide quick access, but it may not be the best long-term financial move because of the possible tax consequences. You may end up with about 60 percent of your original savings due to taxes and penalties if you’re under age 59½. Plus, you lose the opportunity for your investment to continue to grow in a tax-deferred account.
Yes, you can make contributions to your IRA, subject to the IRS annual contribution limits ($6,000 for 2021 and 2022, $7,000 if you are age 50 or older). But you must keep Roth IRA and traditional IRA money separate.
If you combine rollover assets and new contributions in the same account, the combined assets are considered "commingled" and may not be able to be rolled over into a new employer's plan.
Yes, you can contribute to a traditional and/or Roth IRA even if you participate in an employer-sponsored retirement plan (including a SEP or SIMPLE IRA plan), as long as you stay within the IRS annual contribution limits .
Yes. You can roll over Roth dollars from a qualified retirement plan (for example, a 401(k) plan), into a Roth IRA. With a Roth IRA, you make contributions with money you've already paid taxes on (after-tax) and your money may potentially grow tax-free. Different from a Traditional or Rollover IRA, you won't pay taxes when you withdraw the money in retirement, as long as you have had the account for at least five years and you are at least age 59½.
For 60 years, American Century Investments has helped millions of investors like you reach their retirement goals. As a privately controlled and independent company, we are empowered to do the right thing for our clients.
As a client, you receive guidance at no cost because we believe our number one priority is to help you be successful. Professionally and actively managed investments, free investment guidance, and exceptional service all adds up to a great value.
In addition, when you invest with us, you become part of our story that gives back. 40% of our profits fund breakthrough medical research. To date, $1.8 billion in dividends have been distributed to our controlling owner, the Stowers Institute for Medical Research.
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.
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.