Real ChatGPT answer · index seedzhrG98vTWPscompleteFinance and banking · retirement accountsinformational

Why should I bother to roll over an old 401k to an IRA instead of just leaving the money sitting in my previous employer plan?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why should I bother to roll over an old 401k to an IRA instead of just leaving the money sitting in my previous employer plan?
2 real searches · 1 real-search pass
IRS rollover chart 401(k) to IRA tax treatment creditor protection ERISA 401k IRA bankruptcy protectionGoogle ↗
OBSERVED
Department of Labor leaving money in former employer 401k plan fees investment options age 55 exception IRAGoogle ↗
OBSERVED

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.

Classifying 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
IRS rollover chart 401(k) to IRA tax treatment creditor protection ERISA 401k IRA bankruptcy protection Google ↗
Department of Labor leaving money in former employer 401k plan fees investment options age 55 exception IRA Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
IRS rollover chart 401(k) to IRA tax treatment creditor protection ERISA 401k IRA bankruptcy protection
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Department of Labor leaving money in former employer 401k plan fees investment options age 55 exception IRA
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1