A Rollover IRA is an account established by investors who change jobs or retire and receive an eligible distribution from their employer's qualified retirement plan, such as a 401(k), 403(b), 457, money purchase pension or profit sharing plan.

Advantages
  • Generally, earnings grow tax deferred and are taxed at your ordinary income tax rate upon withdrawal.
  • Receive personalized rollover assistance from American Century Investments®, including help with investment selection, the paperwork and monitoring of the process.
  • For American Century® Brokerage accounts, CheckWriting is available to investors who are over age 59½.
Eligibility If you have an eligible distribution from an employer-sponsored retirement plan due to changing jobs or retiring, you may open a Rollover IRA.
Investment Choices
  • Funds held directly with American Century Investments: Select from a variety of mutual funds based on your risk tolerance and investment objectives.
  • American Century Brokerage: Choose from over 10,000 mutual funds, as well as publicly traded stocks, bonds, and more.
Minimum Initial Investment
  • Funds held directly with American Century Investments: $2,500 per fund. Some funds may require higher minimums.
  • American Century Brokerage: $2,500 per account.
Annual Contribution Limits Contributions not allowed. You can open a Rollover IRA only for the amount of the eligible distribution from your employer-sponsored retirement plan.
Withdrawals
  • Early withdrawal penalties may apply for withdrawals prior to age 59½.
  • Withdrawals for special purposes may be permitted prior to retirement.
Distributions Minimum distributions required beginning at age 70½.
Service Fees
  • Funds held directly with American Century Investments: A $12.50 semiannual account maintenance fee is charged to investors whose total investments with us are less than $10,000 for each taxpayer identification number (for example, Social Security number).
  • American Century Brokerage: A $50 annual custodial fee is charged per account. This fee is waived for Platinum, Gold and Silver Priority Investors or if the balance of the account is over $10,000. See Fees and Commissions for more information.
Secure Online Account Access Simply create a User Name and Password and Log In to:
  • View account balances
  • Conduct online transactions
  • View online statements and tax forms (if available)
  • Perform account maintenance, such as changing your address*
  • And more.

*Certain online transactions and maintenance are not available for all accounts, including American Century Brokerage accounts.


IRS Circular 230 Disclosure: American Century Companies, Inc. and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters contained herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone unaffiliated with American Century Companies, Inc. of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties.

This information is for educational purposes only and not intended as tax advice. Please consult your tax advisor for more detailed information or for advice regarding your individual situation.

Brokerage Services are provided by American Century Brokerage, a division of American Century Investment Services, Inc., registered broker/dealer, member FINRA, SIPC.