A Rollover IRA on Edgepath Market lets you move funds out of an old employer's 401(k) or 403(b) — without owing tax or an early-withdrawal penalty — and keep them growing tax-deferred alongside the rest of your portfolio.
Every job change tends to leave a 401(k) or 403(b) behind. A Rollover IRA gathers those accounts into one place, under your control, without resetting the tax-advantaged clock.
A direct, trustee-to-trustee rollover moves the full balance across without triggering income tax or the 10% early-withdrawal penalty.
Old employer plans usually limit you to a short fund list — a Rollover IRA opens up stock shares, real estate, pre-IPO, and crypto.
Combine several old 401(k)s or 403(b)s into a single Rollover IRA so you're managing one balance instead of several logins.
Unlike annual IRA contributions, the amount you roll over from a former employer plan isn't limited by the yearly IRS contribution cap.
If the funds are paid to you directly (an indirect rollover), you must redeposit them within 60 days to avoid tax and penalties.
Once inside a Rollover IRA, you can later convert some or all of the balance to a Roth IRA, paying tax on the converted amount then.
Rather than cashing out an old 401(k) — which triggers immediate tax and a possible penalty — or leaving it behind with a former employer, moving it into a Rollover IRA keeps it working under your control.
Register on Edgepath Market and select Rollover IRA — this takes a few minutes and needs no money up front.
Contact your former employer's plan administrator and request a direct, trustee-to-trustee rollover into your new account.
Once funds land, allocate across stock shares, real estate, pre-IPO positions, or a fixed-term investment plan.
A direct rollover moves funds straight from your old plan to Edgepath Market with no tax withheld. An indirect rollover pays the funds to you first, and you must redeposit the full amount within 60 days to avoid tax and penalties.
No — the standard annual IRA contribution limit doesn't apply to rollover amounts. It only applies if you also make new, fresh contributions to the account.
A properly executed rollover from a traditional 401(k)/403(b) into a Traditional Rollover IRA is not a taxable event — the funds keep their tax-deferred status.
Yes. You can convert some or all of the balance to a Roth IRA at any time — you'll owe ordinary income tax on the converted amount in the year you convert.