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Investments - for Financial Advisors 

Retirement Planning

Rollover IRAs

A rollover IRA account receives a distribution from a qualified retirement plan that's typically moved directly from the plan—with funds made payable to the rollover institution. Rolling over a lump-sum distribution maintains the tax-deferred status of retirement savings dollars.

Advantages
  • You owe no immediate income taxes on the distribution
  • You can avoid early IRS withdrawal penalties if you're under age 59½
  • The earnings on your assets grow tax-deferred
  • You decide where to invest your money as permitted by a Rollover IRA
  • Certain distributions before age 59½ may be subject to a 10% IRS early-withdrawal penalty, but you may be able to access the money in your Rollover IRA without IRS penalty…if you set up a periodic payment program (sometimes called "72(t) payments")
Disadvantages You may not be able to roll over your entire distribution. Your employer should give you a statement that indicates whether any part of your distribution cannot be rolled over

An AllianceBernstein Roth IRA Provides:

  • Flexibility in choosing from a wide array of AllianceBernstein mutual funds, from fixed income to equity as well as Wealth Strategies asset-allocation funds and Retirement Strategies target-date funds.
  • Access to account and fund information online and on the phone.
  • Customer service representatives that are available Monday through Friday from 8:30 a.m. to 7:00 p.m. EST.

It's best to fully understand all of the options before making this decision. Download Rollover IRA—A Guide to Retirement Plan Distributions for a detailed look at the advantages, disadvantages and tax consequences of each option.

 


Investors should consider the investment objectives, risks, charges and expenses of the Fund/Portfolio carefully before investing. For copies of our prospectus or summary prospectus, which contain this and other information, click here or contact your AllianceBernstein Investments representative. Please read the prospectus and/or summary prospectus carefully before investing.


AllianceBernstein Investments, Inc. (ABI) is the distributor of the AllianceBernstein family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds.


AllianceBernstein mutual funds may be offered only to persons in the United States and by way of a prospectus. This website should not be considered a solicitation or offering of any investment products or services to investors residing outside of the United States.


Investment Products Offered:

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