{"id":656,"date":"2022-09-02T19:28:56","date_gmt":"2022-09-02T19:28:56","guid":{"rendered":"https:\/\/bluereefcapital.com\/lorem-ipsum-2\/"},"modified":"2023-12-06T11:05:31","modified_gmt":"2023-12-06T11:05:31","slug":"que-es-un-401k-rollover-y-como-realizarlo","status":"publish","type":"post","link":"https:\/\/bluereefcapital.com\/es\/que-es-un-401k-rollover-y-como-realizarlo\/","title":{"rendered":"\u00bfQu\u00e9 es un 401(k) rollover y c\u00f3mo realizarlo?"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]Si est\u00e1s cambiando de trabajo o no est\u00e1s satisfecho con las opciones de plan de retiro ofrecidas por tu empleador actual, es posible que necesites mover tus ahorros de retiro fuera de tu 401(k). Esto se conoce como un 401(k) rollover.<\/p>\n

Un 401(k) rollover se refiere al proceso de transferir fondos de una cuenta de 401(k) a otra cuenta de retiro con ventajas fiscales. Esto se hace com\u00fanmente cuando cambias de trabajo y prefieres no mantener tu cuenta con el empleador anterior. A diferencia de un retiro de dinero anticipado, que implica sacar dinero de un 401(k) y potencialmente incurrir en impuestos, un rollover generalmente no tiene un impacto fiscal, ya que los fondos permanecen dentro de una cuenta de retiro calificada.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n

\u00bfC\u00f3mo puedes iniciar un rollover con nosotros?<\/h2>\n

Para empezar, por favor ve a la p\u00e1gina de Rollover dentro de tu cuenta de BlueReef \/ Betterment y selecciona la opci\u00f3n “401(k) Rollover”<\/strong>. Sigue las indicaciones para responder una serie de preguntas. Esto te proporcionar\u00e1 instrucciones detalladas adaptadas a los requisitos espec\u00edficos de tu proveedor para completar la transferencia a tu cuenta IRA. Betterment te proporcionar\u00e1 la documentaci\u00f3n de cambio de cuenta necesaria para que firmes y luego env\u00edes a tu proveedor seg\u00fan las instrucciones proporcionadas.[\/vc_column_text][vc_single_image image=”45120″ img_size=”full”][vc_column_text]El proceso de cambio de cuenta generalmente implica:<\/p>\n

    \n
  1. Seleccionar y abrir una cuenta adecuada de BlueReef \/ Betterment IRA para el rollover<\/strong>
    \nSi est\u00e1s transfiriendo dinero ya deducido de impuestos, considera una IRA tradicional. Para trasladar una cuenta 401(k) con dinero despu\u00e9s de pagar impuestos, selecciona una IRA Roth. Si tienes una combinaci\u00f3n de ambos tipos de activos para trasladar, necesitar\u00e1s dos cuentas IRAs separadas.<\/li>\n
  2. Ubicar tu cuenta de 401(k) actual<\/strong>
    \nPonte en contacto con la instituci\u00f3n financiera que administra el plan de tu empleador anterior. Informales de tu intenci\u00f3n de iniciar un traslado directo de tu plan de empleador a tu cuenta de BlueReef IRA y pregunta sobre la informaci\u00f3n espec\u00edfica requerida para el traslado.<\/li>\n
  3. Agregar fondos a tu cuenta de BlueReef<\/strong>
    \nLos rollovers suelen tardar de 2 a 4 semanas en completarse. En muchos casos, el monto se enviar\u00e1 directamente a tu nueva cuenta. Sin embargo, si recibes un cheque de la instituci\u00f3n financiera con el dinero del 401(k), necesitar\u00e1s depositarlo en la nueva cuenta siguiendo las instrucciones que recibir\u00e1s de nosotros**.<\/li>\n<\/ol>\n

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]** Si recibes un cheque directamente del antiguo 401(k), es importante depositar los fondos en tu IRA dentro de 60 d\u00edas para evitar impuestos sobre los ingresos y posibles penalizaciones por retiro anticipado.[\/vc_column_text][vc_column_text]Cuanto antes inicies tu traslado del 401(k) y comiences a invertir a trav\u00e9s de tu nueva cuenta de IRA, m\u00e1s pronto recuperar\u00e1s el control sobre tus inversiones.<\/strong>[\/vc_column_text][vc_btn title=”\u00a1Ponte en contacto!” link=”url:https%3A%2F%2Fbluereefcapital.com%2Fes%2Fcontacto%2F|title:Contacto|” el_class=”btn btn-dark”][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    \u00bfTienes una o m\u00e1s cuentas 401(k) de empleadores anteriores? Esto te brinda la oportunidad de recuperar el control sobre esos fondos y transferirlos a una nueva cuenta IRA de BlueReef.<\/p>\n","protected":false},"author":1,"featured_media":45122,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[11,19],"tags":[],"class_list":["post-656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consejos-financieros","category-inversiones"],"acf":[],"yoast_head":"\n\u00bfQu\u00e9 es un 401(k) rollover y c\u00f3mo realizarlo? - Bluereef Capital<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bluereefcapital.com\/es\/que-es-un-401k-rollover-y-como-realizarlo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es un 401(k) rollover y c\u00f3mo realizarlo? - Bluereef Capital\" \/>\n<meta property=\"og:description\" content=\"\u00bfTienes una o m\u00e1s cuentas 401(k) de empleadores anteriores? 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