But what if you can't locate your old 401(k)? Did you forget which company was managing your retirement account? A new federal database should make it easier to track down.
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View your results: The website will display a list of retirement plans linked to your Social Security number and provides contact information for the plan administrators.
On the flip side, if you don't want your retirement plans findable in this database, you can opt out by using this online form. Opting out prevents anyone from accessing any data linked to your name and Social Security number.
Alternate methods to track down an old 401(k)
Make a list of all your past jobs, especially ones where you worked full-time for over a year. Large companies are very likely to have sponsored a 401(k).Contact the HR department of each previous employer
This database run by the U.S. Department of Labor lists workplaces that have lost contact with 401(k) holders. This should be your first stop search for your name and any previous employers.Try online 401(k) search tools
Dig through your email inbox and hard copy files for old enrollment paperwork, account statements, or tax documents showing 401(k) contributions. These often include account numbers and plan administrator contacts.Contact plan administrators directly
Roll over the funds into a new account
Once located, make arrangements to transfer the funds into a new IRA or your current employer's 401(k) to simplify management in the future. Finding your account was the hard part—from here it should be fairly easy to move your investments into the account of your choosing.
Still, it’s worth talking to a financial advisor before moving your old 401(k) to make sure you understand any planning consequences that may arise. If you don’t have the option to rollover your old 401(k) into a new one, your next best choice is to let it be and let it continue to grow, rather than opting to cash out early and getting hit with a tax penalty.
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