401(k) to gold IRA rollover checklist
Planning to roll an old 401(k) into a gold or silver IRA? Work through eligibility, direct rollover instructions, costs and custody before requesting a distribution.
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YOUR NEXT RETIREMENT CHAPTER
401(k) rollover questions and answers
Practical answers for readers exploring 401(k) rollover.
Can I move a 401(k) while still employed?
Only if the plan and applicable rules permit the distribution you are requesting. Ask your plan administrator about in-service eligibility; do not assume age alone makes the balance available.
Do I have to move my entire balance?
A partial eligible rollover may be possible, depending on the plan. Ask about minimums, restrictions, and any balance or benefits that would remain in the plan.
Why ask about a direct rollover?
It moves eligible plan funds to the receiving account without paying the distribution to you personally. Confirm the payee instructions with both institutions before requesting it.
Can I roll over an RMD?
Required minimum distributions are not eligible for rollover. Ask a tax professional how any required amount should be handled before moving the rest of an account.
How long will a rollover take?
Timing depends on the sending plan, the receiving custodian, paperwork, and the funding method. Ask both institutions for a current estimate and a way to track the request.
When are metals purchased?
After the receiving IRA is funded and the specific transaction is authorized. You still need to approve the products, price, and custody arrangements.
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