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Many Americans own two or more 401(k) or IRA accounts.If you are one of these people, consolidating accounts can help you save time and may provide a more comprehensive view of your financial situation.You may also benefit from the perks of a higher balance such as waived fees.
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For example, at Ameriprise Financial, there are no custodial fees on your IRAs if you attain Ameriprise Achiever Circle Elite status and additional benefits may be available as well.
Having money in multiple accounts with different funds does not necessarily make your portfolio more diversified.
In fact, it may make it harder to evaluate your holdings, and may actually conceal very similar investments in various accounts.
Consolidation makes it easier to allocate assets according to your investment strategy.
Seeing your entire portfolio in one place can reveal when you are too concentrated in one area of the market, and make it easier to adjust these imbalances.
It can also help reduce unnecessary risk and better align your savings with your goals.
, such as a 401(k) or 403(b), your options include rolling the assets into an IRA or your new employer’s plan or leaving them with your former employer’s plan.
Over time, you may even lose track of some older accounts.
Consolidating your accounts can save time by making account information more easily accessible.