Your best bet at retirement is a direct rollover of your company-sponsored plan assets into a traditional IRA which means transferring the balance, unaltered and in one lump sum, to an IRA that will allow you to avoid current taxes and penalties. The additional investment choices may help you to increase your income and reduce risk. There are also problems in the rollover process. But still more people, particularly those in higher income brackets, plan to take on the services of a financial planner when they are ready and decided roll over their plans assets at retirement. Make sure the company you are rolling your assets to would be one you are familiar with and plan to invest through. It makes for a smoother transition. To make a 401K rollover or not must be well thought out before making a decision. Mistakes can be costly and may seriously change your retirement anticipation. Be careful and make sure to get help if you need it.