Rollover Options

• Rollover Tax Considerations
• Keep the Money in Your Plan
• Individual Retirement Account
• Purchase an Annuity
• Invest in a Fixed Income IRA
• Invest in an IRA with Mutual Funds

Resources

Retirement Calculators

Keeping your money in your plan is the simplest of the available options. You need not complete any new paperwork to remain a participant.¹ And if you should change your mind later on, you always can roll over your nest egg to another product such as an Individual Retirement Account (IRA).

Your employer-sponsored plan with Mutual of Omaha helps you tailor your investments to your personal situation, and provides these important product benefits:

• Monitored investment options already familiar to you including an array of world-class core funds coupled with the popular, convenient Mutual Directions ^® professional investment portfolios
• Asset allocation and diversification, to help you optimize your savings
• Rebalancing of the Mutual Directions portfolios to target allocation percentages, to help keep your individual investment strategy on track
• Helpful communication, education and guidance materials, including calculators, participant newsletters and Internet-based tools such as investment guidance and fund profiles

Tax implications alone may make it advantageous to leave the money in your plan or another qualified option. For starters, you can avoid the current taxes; and by waiting until age 59½ to receive a distribution, you can avoid a 10% early-withdrawal penalty. Additionally, you may be in a lower tax bracket than during your peak earning years.

¹ If your account balance is less than $5,000 (not including any rollover money from a past employer's plan), your employer may cash out your balance without your consent.