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Move your retirement money onto this platform

Changed jobs, or left a plan behind? You have options for what to do with your old retirement savings. It can be a 401(k), 403(b), 457(b), federal TSP or an IRA, from any institution.

Move it to a retirement account here and the tax you would otherwise owe is deferred. Get it in within 60 days and it is not taxed.

Once it arrives it is invested across a blend of our portfolios, all of them, in the proportions we manage to. There is no second decision to make, and no cash sitting idle.

A retirement account and the portfolios its money is invested across
Held by
ATLAS
Smallest rollover
USD 10,000.00
Redeposit within
60 days
Counted from the day the money was paid out to you, not the day you apply.

What your options are

Leaving the money where it is is one of them. Every option has a cost, and only one of them avoids tax now.

Roll it over to us

Roll it into a retirement account here. Get it in within 60 days and it is not taxed.

This is what the rest of this page is about.

Move it to a new employer's plan

If you have a new employer, their plan may accept the money as a plan-to-plan transfer.

We do not open 401(k) accounts, so this one is arranged with your new plan rather than with us.

Take the cash

The money becomes yours to spend, and it is taxable income. If you are under 59½ there is usually a further 10% on top.

The one option that cannot be undone.

The three options, side by side

Tax when the money moves, tax later, who holds it in between, what it is invested in, the fees, and whether we can open that account.
Roll it over to us A new employer's plan Take the cash
Tax when it moves Not taxed, if it arrives within 60 days No tax, if it goes plan to plan Taxable, plus 10% under 59½ in most cases
Tax later Tax-deferred Tax-deferred Already settled
Who holds the money in between You do, until you send it to us The receiving plan You
What it is invested in A blend of our portfolios, from the day it arrives Whatever the new plan offers —
Fees The annual management fee, published per portfolio The new plan's —
We can open this account Yes No No

Rolling a plan that has not been taxed into a Roth account is a conversion. A conversion is taxable on the amount converted.

Consider all your options, including the tax implications, the fees and the expenses, before moving money between accounts.

The one deadline that matters

Inside 60 days

It keeps its rollover treatment

Money you have received from a retirement plan is a distribution until it is redeposited. Get it into a retirement account within 60 days of taking it, and it keeps the treatment it had.

After 60 days

It does not

Redeposit it late and the money is treated as a distribution you took. That is taxable income, and if you are under 59½ a further 10% on top. We cannot undo that by accepting the transfer afterwards.

A plan may require a payment to you before it releases the rest. That payment — a required minimum distribution — is taxable and cannot be rolled over.

The paragraphs above describe how the mechanism works.

They are not tax advice, and this page cannot know your circumstances.

If a plan withheld tax when it paid you, you have to replace that withheld amount from your own funds.

Only then does the whole sum stay inside the retirement account.

Take advice on your own position.

How retirement investing works

  1. Step one

    Open your retirement account

    Create your account and complete the required information to establish your retirement investment profile.

  2. Step two

    Fund your account

    Make a contribution to your retirement account through the available funding options. Your contribution is recorded against your account and reflected in your investment balance.

  3. Step three

    Invest for the long term

    Your contributions are invested according to your selected retirement strategy. You can monitor your portfolio, contributions, allocation, and performance as your retirement savings grow over time.

What it is invested in

All portfolios →

A retirement account holds a blend of the portfolios below. That is all of them, in the proportions we manage to, rather than any one of them. It carries the same published weights and the same fees, and opening one adds no charge of its own.

Target range, illustrative only. Not a guarantee, forecast or projection of future returns.

See how the portfolios have performed

Each portfolio publishes its price history and the range it is aiming for. The figures come from the same valuations that value a customer's account.

What you read is what we manage to, which is the only kind of record worth printing.

Target range, illustrative only. Not a guarantee, forecast or projection of future returns.

See the portfolios

Moving a plan: the questions that come up

Can I move a plan from any provider?
Yes. We can receive money from any plan or IRA at any institution. You hold it in between, and you send it on to us.
Is the rollover taxed?
Not if it arrives within 60 days. The money is a distribution until it is redeposited, so the deadline is what decides it. After the deadline it is taxable income, and usually 10% more if you are under 59½.
Do you transfer the money directly from my old provider?
No. We do not do custodian-to-custodian transfers. The money comes to you, and you send it on, which is why the 60 days matter.
Can you receive money that is still inside a plan?
No. We can only receive money you have already taken receipt of. If it is still in the plan, the plan has to pay it out to you first.
What if my old plan withheld tax when it paid me?
You have to replace that withheld amount from your own funds. Otherwise the part that was withheld is a taxable distribution, even if you redeposit the rest in time.
What happens to the money once it arrives?
It is invested across a blend of our portfolios from the day it arrives. There is no second decision to make, and your account page shows what it is worth.

Still not answered? Ask us.

What you will need

  • An account with us. Your retirement account is opened and managed from your secure account.
  • Basic personal and financial information required to establish and manage your retirement account.
  • Your preferred retirement strategy, based on your investment objectives, time horizon, and risk tolerance.
  • A valid funding source for your retirement contributions.
  • Any identification or supporting documents required to complete account verification.

Requirements may vary depending on your retirement account type, jurisdiction, and applicable regulatory requirements. We will guide you through any additional information or verification needed during the account-opening process.

Start your retirement plan

Begin by opening your account. Once registered, you can select a retirement strategy, provide the required information, and submit your application securely. If you already have an account, sign in to continue.

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Risk, performance and status

  • Investments carry risk. The value of your account can rise or fall, and you may receive less than the amount you invested.
  • Our investment approach is built on disciplined portfolio management, careful selection, and long-term capital allocation.
  • We believe our record, investment discipline, and consistency distinguish us in the market and underpin our position as a trusted investment management business.
  • We do not offer guaranteed returns. Any performance figures, targets, or projections presented on this platform are illustrative or historical unless expressly stated otherwise.
  • This is an investment service, not a bank account. Investment balances are not deposits and are not covered by a government deposit guarantee scheme unless expressly stated in the applicable jurisdiction.
  • Investment services and retirement accounts are available only in jurisdictions where we are legally permitted to provide them.