Author Topic: Rollover IRA  (Read 1447 times)


  • Pencil Stache
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  • Location: NYC
Rollover IRA
« on: April 17, 2016, 07:23:34 AM »
I will be transferring my old 401K into Vanguard from old employer Empower Retirement account.

Right now I have a Rollover IRA set up in Vanguard.  It contains a small amount rolled from my old tIRA (around $5K) from Fidelity and the rest is an old 401K rolled from a different old employer Empower Retirement account. 

Sometime late this year, I will have another 401K account with Fidelity to transfer to Vanguard. 

Is there a benefit to opening separate Rollover IRA account in Vanguard to roll these into separately?  Is there a benefit to keeping them separate for future withdrawals/paperwork etc?  Does the source of the funds in Rollover account matter for future withdrawals in terms of taxes?

Or is it ok to just lump them together into one Rollover account?

Right now I have 3 accounts in Vanguard; tIRA, Rollover IRA, and Roth IRA.   


  • Handlebar Stache
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  • Location: Cleveland
Re: Rollover IRA
« Reply #1 on: April 18, 2016, 06:58:03 AM »
If you aren't going to roll it back into an employer-sponsored plan in the future, then you can roll them all into one account without any problems.