What is an IRA rollover?

An IRA rollover is created by transferring funds from existing retirement accounts — for example, any 401(k)s you may have with previous employers — into a new, consolidated IRA.

You can roll funds from existing retirement accounts into a Traditional or Roth IRA, or even roll several IRAs, like IRAs held by you and your spouse, into one.

What are the benefits of an IRA rollover?

Consolidating multiple retirement accounts into a single account with one company has its advantages:

IRA Rollover - Why Chart

A clearer picture of your retirement savings
With multiple accounts managed by multiple companies, it's hard to see where you stand. Consolidating accounts can give you a clearer picture of investments, so you can help ensure asset diversity and help reduce risk.1

IRA Rollover - Why Wallet

A single source of income to manage at retirement
Managing accounts — and distributions at retirement — is a lot easier with one statement and one source of income.

IRA Rollover - Why Calculator

Potentially reduced expense
The fewer accounts you maintain, the fewer fees you potentially pay for each account. Based on Morningstar data, the expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average.2

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