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Account Consolidation

Get a Clearer View of Your Investments

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Consolidating investment accounts may give you a clearer picture of your financial standing. After years of accumulating assets, you likely have your money in several different accounts—two or more investment companies, a former employer’s retirement plan or your bank. Sometimes it's good to be in more than one place. Sometimes it just costs you more time and money than it should. It could be time to consolidate.

What does it mean to consolidate? It is essentially streamlining to make managing your money more efficient.

Why Consolidate?

Sharpen Your View

Whether that's transferring all of your investments to one firm, combining retirement investments into one account or transitioning from several companies to a few, a consolidated portfolio can give you a more accurate view of your overall financial condition.

Manage Easier

When your assets are spread across many companies, it can be hard to know if your investments are meeting your goals. Consolidation puts you in a better position to take action because you can see what’s working and what’s not.

Free Up Your Time

Consolidating can help reduce your paperwork (and email, if you prefer paperless statements) and simplify recordkeeping. And, if you move your investments to one company you only have one place to go for questions or concerns.

Keep Your Choice of Options

Managing your money with one company can still give you a lot of investment options. With American Century Investments®, you can build a well-rounded portfolio from more than 80 no-load mutual funds across a variety of investment strategies. Diversifying your portfolio—having a mix of several kinds of investments—can help you manage risk and potentially ride out market swings, however it cannot ensure you won't have a loss.

Or, if you’re looking for more convenience, choose one of our professionally-managed asset allocation portfolios. They offer instant diversification in a single investment choice. Additionally, our brokerage services can make consolidating assets from other companies simple by having all of your investments in one place.

A consolidated portfolio lets you:

  • See clearly where your money is invested

  • Make better decisions about adding or decreasing types of investments

  • Spot gaps and avoid duplicate investments

  • Manage risk easier as your situation changes or during market ups and downs

  • View your entire portfolio on one statement, if you go with one company

  • Track statements and tax documents more efficiently

  • See how purchases or withdrawals affect your portfolio

  • Meet investment minimums easier and potentially reduce costs

  • Qualify for fee discounts, price breaks or other asset-based benefits

  • Take required minimum distributions easier and help your heirs settle your estate with less hassles

See what your streamlined portfolio could look like

Before You Move Your Money

First, be sure to ask your current providers about potential consequences, including taxes, penalties, charges or specific fees for liquidating or transferring your assets.

Second, be choosy. Look for an investment company that:

  • Provides a variety of choices for building your portfolio

  • Offers an assortment of services and complimentary guidance

  • Charges reasonable fees and expenses

  • Reduces costs and fees as your investments grow

Go With a Company You Trust

When you work with a single firm, it can be easier to understand how the company operates and how they manage your money. Make sure you're confident with their long-term track record, customer service and commitment to investors.

Start Your Transfer or Rollover

Call a Transfer & Rollover Specialist at 1-888-345-9166 or open an account.

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

Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.

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.

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