Should I roll over my 401(k) when I leave a job?

RetirementWarren TeamPublished April 25, 2026

Quick answer

In most cases yes, rolling an old 401(k) into an IRA gives you broader investment options and usually lower fees. The exception is if your old plan has unique investments or your new employer's plan is unusually good.

Decision flow for rolling over an old 401(k).

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