does the unvested portion of my 401k rollover with a company buyout?
611435
Your company's 401k plan is a separate entity, apart from the company itself. Whether the new company will continue the plan is a question you need to ask your HR dept (or the new company's HR dept.). There is no requirement that they continue the old plan.\n\nYou should also check the plan's SPD - Summary Plan Description to see what it says.\n\nIn any case, the money would not revert back to the company.
266753
You should be able to roll over a 401k into an IRA without a problem.  Those Prudential people just don't want to lose your business.  Your money guy at the new place should be able to take care of all this for you.  And if he can't, find a new money guy.\n\n(Unless you bought some sort of annuity with it.  I can't tell if you did.)
73493
The capital gains are distributed to the shareholders.  You have to pay taxes on your portion, unless its a tax sheltered account, whether you take them in cash or reinvest them.  The Net Asset Value of the mutual fund shares are reduced accordingly.
137060
It depends on the investments available in your 401(k). If it's not an investment you would otherwise consider, I would look for something else.
81277
If your company offers a 401K plan, take advantage of it.  They'll take out a fraction of you paycheck (as lo as 1%) and invest it in a mutual fund.  Many companies match your contribution, so that's like free money.  \n\nIf you just forget about it and just let it grow, you'll soon build up quite a bit of dough.\n\nIt's tax deferred, so that means you won't pay taxes on it until you cash it out.\n\nThe only drawback is you can't cash it out until you're 59 and a half without paying a penalty.
426579
If the company was public and was acquired, you should own stock in the new company, depending on the offer.\n\nCheck with any trader or research the company who bought them.  If you held the shares in a brokerage account, they would have given you a statement showing how many shares you own of the new company.
151205
You can always rollover to your personal IRA account rather than taking the distribution.  Taking out the money from 401K not a good thing if you are not of retirement age because you have to give a lot to taxes and penalties.
842032
A transfer from share capital to accumulated losses is more than an accounting issue.  It's more a legal issue.  You will need your lawyer's assistance with this one.
126578
OPM is right. Don't confuse the type of account (401k in this case) with choosing an investment mix. I help businesses design and implement retirement plans and as OPM said, you are limited by the plan your employer chooses. That doesn't mean you should put your money elsewhere, especially if your employer provides any kind of match.\n\nFirst rule of retirement investing: If your employer is going to give you free money, TAKE IT!\n\nIf you work for a fairly large and/or sophisticated employer your 401k may have a Self Directed Brokerage option. If available, this option will allow you to bypass the menu of investment options within the plan with at least a portion of your assets. Ask your employer for the details on the plan available to you.
833716
"Vested" means ownership, therefore, "unvested" refers to the shares held in his name, but not owned by him. Most companies have a vesting schedule - sometimes a graded scale (e.g., % increases over 5-7 years) or sometimes a cliff (eg, 0% vested until 5 years, then 100% vested).
1125529
Some employers will match a portion of your 401K savings.  Y ou can't do that with an IRA
129902
As the other answerer mentioned, there are two\nsituations:\n\n  1) \n     You rolled the 401k over from a previous employer's\n     plan into either your new employer's plan or\n     into a private 401k account (ie. at Fidelity or\n     Ameriprise or something like that).\n\n     In that case, it is not considered a withdrawal\n     and there are no taxes involved.\n\n     As I recall, you have something like 60 days\n     from when you remove it from one plan before\n     it must be placed into another.  Keep your \n     records in case the IRS checks up on you :-)\n\n  2) \n     If you withdrew the money and just kept it in\n     a bank account, you not only have to pay taxes\n     on it, but you'll probably have to pay a \n     penalty as well.
1154437
It really depends on your company's policy.  I asked a similar question to HR after my company was taken over.  She said the old company wouldn't do anything, but the new one might pursue.  The company might take your last paycheck to offset the dollar amount they have "lost."
172445
Usually not. As long as all the rules are followed correctly and you don't take the funds out or do some kind of prohibited transaction. Have your lawyer or CPA review th plan with you to make sure it all goes the right way.\n\nsorry for your loss.
157975
I don't really know why, but my 401k displays a certain number of 'units' and a 'unit price' which doesn't correspond to the actual share value.
735323
If your only contribution to the traditional IRA is the rollover, then you may still be able to contribute up to $4000 ($4,500 if you are over age 50) to either the same traditional IRA or to a Roth IRA, depending on which one best fits you. \nThere are other factors involved here, such as whether or not you still contribute to your employer's retirement plan and how much you make. I'd be happy to do the calculations for you if you'll give me those numbers. But I understand that is sensitive information, so I will send you the link to the form you use to figure allowable contributions. \nRollovers are not considered contributions because they are in the same type of tax-advantaged plan. You would only have to be concerned if you put more into the IRA than you had in the 401K, or, conversely, if you spent some of the money and didn't out it all in (you might be liable for tax and penalties in that case). \nLet me know if I can be of further assistance :)
320520
Absolutely though, you would need to check with a tax professional to determine whether the amounts deposited into your IRA are tax deferred or after-tax.  It all depends upon your income level.\n\nMax out your 401(k) contributions if at all possible. You're overall savings through the 401(k) far outweight the ultimate reduction in your "cash in hand" each pay check.