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IRA Overview
Traditional & Roth IRAs
Rollover IRAs
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Have you changed jobs and left your 401(k) account with your former employer? You can transfer amounts into a Dodge & Cox Funds IRA to invest in our mutual funds.

How it works

Individual Retirement Accounts (IRAs):
An Individual Retirement Account (IRA) is a custodial account created to provide individuals a simple tax-advantaged way to accumulate funds for retirement.

A Rollover IRA is an IRA that enables you to transfer and consolidate assets from employer-sponsored retirement, such as a 401(k), if you have left a job or retired. Importantly, the Rollover IRA maintains the tax-deferred status of the retirement assets. You may maintain funds rolled over from your employer and annual contributions in a single IRA.

Process for rolling over your Retirement Assets

1. Contact your 401(k) plan administrator Contact your plan administrator to understand any requirements they have to issue a rollover payment. You should also clarify if your plan account holds pre-tax and/or Roth assets. Pre-tax amounts can be rolled over into a traditional IRA or to a Roth IRA (via a single step Roth conversion). Roth assets in a plan must be rolled into a Roth IRA. It is important to maintain this distinction in order to preserve the tax status of the assets.
2. Open your IRA Click on the link below to establish a Dodge & Cox Funds IRA and/or Roth IRA.
3. Request the rollover

Dodge & Cox can assist you with the rollover process or preparing the paperwork. Alternatively, once your IRA is established, you can instruct your current administrator to issue a check made payable to Dodge & Cox Funds for the benefit of (your name).

Mail the check to:

Dodge & Cox Funds
c/o DST Asset Manager Solutions, Inc.
P.O. Box 219502
Kansas City, MO 64121-9502

Almost all distributions from employer plans such as 401(k) or 403(b) arrangements are eligible to be transferred, or rolled over, into an IRA. All or part of an eligible rollover distribution may be transferred directly into your IRA. This is called a “direct rollover.” Certain distributions, such as required minimum distributions, are not eligible for rollover.

Alternatively, you may receive the distribution and make an indirect rollover to your IRA within 60 days. By making a direct or indirect rollover, you can defer income taxes on the amount rolled over until the time that you begin making withdrawals from your traditional IRA.

If your employer plan contains a mix of pre-tax and Roth assets, you can roll over your pre-tax amounts to a traditional IRA and your Roth amounts to a Roth IRA.

Please be aware a qualified retirement plan administrator or 403(b) sponsor must withhold 20% of your taxable distribution for federal income taxes unless you elect a direct rollover. Your plan sponsor is required to provide you with information about direct and indirect rollovers and withholding taxes before you receive your distribution and must comply with your directions to make a direct rollover.

We're here to help.

You can open your Rollover IRA online by clicking on the link below to initiate the rollover process. If you have questions, you can reach our service center at 800-621-3979 between the hours of 8:00 a.m. and 7:30 p.m. Eastern time, Monday - Friday.


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