{ "media_type": "text", "post_content": "25 with about $50k in 401k roth and $50k in pension. Changed jobs and nobody has given me any direction on best way to roll things over. 401k roth to my roth IRA? 401k to new 401k? Pension as lump sum or just leave it or roll into what?? Thanks for any help!!", "post_id": "60fb3d59384aca0022415ad8", "reply_count": 6, "vote_count": 3, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

25 with about $50k in 401k roth and $50k in pension. Changed jobs and nobody has given me any direction on best way to roll things over. 401k roth to my roth IRA? 401k to new 401k? Pension as lump sum or just leave it or roll into what?? Thanks for any help!!

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You will need to move them into like accounts. So the Roth 401k should rollover to a Roth IRA, at a place like Fidelity or Vanguard. If you have employer contributions in a pre-tax 401k or other pre-tax account, you can roll that over to a traditional IRA, or into your new employer’s 401k. I would ask the administrator for the pension plan what kind of account it is in now to see if it’s eligible for a rollover of any kind or if you have to take a dispensation now. I imagine a dispensation now would create a taxable event, so keep that in mind.

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Following , similar situation. My understanding is you’ll pay tax if you move it to Roth.

Roth 401k>roth ira is not taxed. I'd suggest you do this, you have more options that way. If it was traditional 401k you should roll into your new jobs plan

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What company are you at? I want a pension.

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