Episode
Things to Know When Rolling Over a 401(k) When You Change Jobs
- Podcast
- Market Moment Podcast
- Published
- May 19, 2026
- Duration seconds
- 1331
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Summary
Moving to a new job and unsure what to do with your 401(k)? Or maybe you have several from previous jobs? In this episode of The Market Moment, Matt, Lee, and John dive deep into the pros and cons of 401(k) rollovers. They break down hidden fees, the power of investment flexibility, and advanced tax strategies like Net Unrealized Appreciation (NUA) and the Rule of 55. Plus, the team answers a recent viewer question about international stock allocation! Key Takeaways From This Episode: ➡️ 401(k) vs. IRA Fees: Learn how to identify the "soft" internal fees inside a 401(k) and how they compare to self-managed or advisory IRA options. ➡️ Investment Control: Self-directed IRAs have a lot of options, thousands of individual stocks, funds, and options compared to a limited 401(k) menu. ➡️ Advanced Retirement Rules: Understand how Net Unrealized Appreciation (NUA) can save you significant money on highly appreciated company stock , and how the Rule of 55 allows for penalty-free early retirement withdrawals. ➡️ International Portfolio Allocation: How much international exposure do you actually need? The guys debate the historic 100-year trends versus the last 15 years of U.S. market dominance. #401kRollover #RuleOf55 #NetUnrealizedAppreciation #RetirementPlanning #TheMarketMoment Enjoyed the episode? Don’t forget to: 👍 Like & 💬 If you had to change jobs tomorrow, what factors would you consider when deciding what to do with your old 401(k)? 🔔 Subscribe and join our growing online community of everyday investors! 🍿 Watch Next: Eli's latest Data Brief, "When to Lower Portfolio Risk? Analyzing Michael Kitces’ Retirement Research" https://www.youtube.com/watch?v=ITzQ9-s87xk 🎙The Market Moment Podcast! Last week's episode... https://www.youtube.com/watch?v=SwxX7QVKH80&t=9s W…