There are many benefits to rolling over a retirement plan into Betterment. We'll use the "direct rollover" method to prevent any withholding or negative tax consequences for you. This entails your current provider sending us a check of your funds directly, for your benefit.
To get started, click "Rollover an IRA or 401(k)/403(b)" at the top right hand side of your Transfer page.
You'll answer a couple questions, and receive an email with the full, personalized instructions (how the check should be made out and where it should be sent) to complete your rollover.
Please note that Traditional funds must be rolled over into a Traditional IRA and Roth funds must be rolled over into a Roth IRA. If you aren't sure which type(s) of funds you have, contact your current provider or HR representative. You can always convert a Traditional IRA into a Roth IRA after the rollover.
To see if your retirement plan is eligible to be rolled over into a Roth or Traditional IRA, please check the IRS Rollover Chart. You can also check out our guide to retirement plans.
How do I convert my Traditional IRA into a Roth IRA?
How do I rollover my IRA into Betterment?
Can I rollover an Inherited IRA/401(k) or other retirement plan into Betterment?
What kind of retirement account do I have?
How can I rollover my 401(k), 403(b) or similar plan into Betterment?
Still need help?
Get in touch with our support team.