rollover ira questions

[semtex]

hi,

I have two 401k accounts from two ex-employers. should I have one rollover IRA account and merge them together or have separate rollover IRA accounts?

I have the impression that the merged rollover IRA account could not rollover to 401k account later. but I may be wrong.

I live in NY.

Many thanks,
sem

[Sunset]

I had a bunch of 401K's , and over time rolled each over to it's own IRA.

Finally I got smarter and merged all the 'rollover' IRA's together, but I had no intention of putting them back into a 401K.
I did keep them separate from the regular IRA.

[Sarah in SC]

There really isn’t a difference any more, unless you had after-tax contributions to an IRA along the way.
Not much benefit to keeping them separate, to my mind.
Some 401k plans allow roll-ins, usually on a case by case basis. If you are thinking you want to do that, then probably better to ask the administrator if it is possible first.

[semtex]

I have no intention back to work, just some cautious.

so another thing done.

thank you, guys.

[Dtail]

Late to the posting, but if you have a Stable Value type fund in your 401k with a current yield >3%, then perhaps consider keeping monies in your 401K in this fund to use as a portion of your Fixed Income AA.