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If you’re looking for a wider variety of retirement investment options and the potential for tax-advantaged growth, you can roll your old 401(k) into an IRA.In addition, you will have greater flexibility over access to your savings (although income taxes may apply, along with early withdrawal penalties, if you are under age 59½).

There are other important factors to consider when deciding between an employer-sponsored plan and an IRA, including fees and expenses, available services, protection from creditors, and special tax considerations for employer stock.

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