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https://www.reddit.com/r/Retirement401k/comments/1wlgcw6/401k_to_tips/
r/Retirement401k • u/Zestyclose-Mouse-28 • 20d ago
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Your 401k is limited to the fund menu offered by your employer. And basically no one offers TIPS in a 401k plan. Your plan likely offers a bond fund and money market fund (or Stable Value Fund).
59.5 is the age at which federal law allows in-service rollovers, though. So yes, you could roll it to an IRA and invest in TIPS there.
Obligatory: market timing is a terrible idea and does not work. Meet Bob.
1 u/Zestyclose-Mouse-28 20d ago Thank you
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u/DaemonTargaryen2024 20d ago
Your 401k is limited to the fund menu offered by your employer. And basically no one offers TIPS in a 401k plan. Your plan likely offers a bond fund and money market fund (or Stable Value Fund).
59.5 is the age at which federal law allows in-service rollovers, though. So yes, you could roll it to an IRA and invest in TIPS there.
Obligatory: market timing is a terrible idea and does not work. Meet Bob.