Should I Roll Over Company Stock?
If you have company stock in your retirement plan when you change jobs or retire, you can move the shares to a Vanguard Brokerage Services® account. If you choose, you can roll the shares into a self-directed IRA. A Vanguard Brokerage IRA will also give you access to stocks listed on every U.S. exchange, bonds, and thousands of funds from hundreds of mutual fund companies.
If you have shares of company stock in your retirement plan and you want to keep them invested in that stock when your plan assets are distributed after you change jobs or retire, you can:
- Hold your shares outside a retirement account.
- Roll over your shares to a traditional IRA.
- Roll over your shares to a traditional IRA and then convert to a Roth IRA.
Use this calculator to assess the general tax implications of each option. For more complete guidance, consult a tax advisor.
Some plans have restrictions on holding shares outside of the employer-sponsored plan. Consult your plan administrator for details.