What is the cheapest way to transfer my 401k from my laid-off job without paying early withdrawal penalties or high administrative fees?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the cheapest way to transfer my 401k from my laid-off job without paying early withdrawal penalties or high administrative fees?
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). 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 rollover chart 401(k) direct rollover traditional IRA 20% withholding early distribution 10% penalty separation from service Google ↗
Fidelity Schwab Vanguard rollover IRA account fees transfer fee official Google ↗
- Fidelity 401(k) rollover · fidelity.com
- Schwab rollover IRA · schwab.com
- Vanguard rollover IRA · investor.vanguard.com
- Rollovers of retirement plan and IRA distributions · irs.gov
- 401k Resource Guide Plan Participants General Distribution Rules · irs.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
IRS rollover chart 401(k) direct rollover traditional IRA 20% withholding early distribution 10% penalty separation from service OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Fidelity Schwab Vanguard rollover IRA account fees transfer fee official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |