Real ChatGPT answer · index seedf7cKvVPiCE0completeCareers and HR · layoffs and severanceinformational

How does transferring my 401k to a self-directed IRA affect my ability to take out a participant loan in the future?

ChatGPTgpt-62 queries11/1/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does transferring my 401k to a self-directed IRA affect my ability to take out a participant loan in the future?
2 real searches · 1 real-search pass
IRS 401(k) participant loans plan rules IRA prohibited transactions personal loan IRC 4975 rolloverGoogle ↗
OBSERVEDReason
IRS rollover 401(k) to IRA outstanding loan offset participant loanGoogle ↗
OBSERVEDConsequence

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)
Short factOther / navigationalComparisonConsequence50%Reason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
IRS 401(k) participant loans plan rules IRA prohibited transactions personal loan IRC 4975 rollover Google ↗
IRS rollover 401(k) to IRA outstanding loan offset participant loan Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS 401(k) participant loans plan rules IRA prohibited transactions personal loan IRC 4975 rollover
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
IRS rollover 401(k) to IRA outstanding loan offset participant loan
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1