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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 can 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 give us instructions to remove Rollover status and make contributions to your IRA, subject to the IRS annual contribution limits. 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 strong offering.

When you invest with us, together we can invest in the future. 40% of our profits fund innovative medical research. Nearly $2 billion in total dividends* have been distributed to date to the Stowers Institute for Medical Research.

^{*As of 12/31/2022.}

Your employer and American Century Investments are working together to provide retirement solutions to help you stay on the right path toward retirement. That includes help deciding the next step for your retirement savings and free investment guidance.