Real ChatGPT answer · index seedXOmU1o77TFgcompleteFinance and banking · investing and brokeragescomparison
We need a clear comparison between transferring an old 401k to a rollover IRA at Fidelity versus cashing it out and paying the penalty, though we know the penalty is usually a terrible idea for household financial health.
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The searches the AI actually ran for this prompt.
SEED QUERY
We need a clear comparison between transferring an old 401k to a rollover IRA at Fidelity versus cashing it out and paying the penalty, though we know the penalty is usually a terrible idea for household financial health.
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS 401(k) rollover to IRA direct rollover 20% withholding early distribution 10% additional tax exceptions 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Fidelity rollover IRA direct rollover old 401(k) tax consequences fees investment options OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |