Companies have varying policies regarding rolling over a company-sponsored retirement plan into a personal plan, like a precious metals IRA. These policies can be influenced by factors such as company matching and employee vesting. Therefore, it's important to check with your company's 401(k) administrator to understand your options.
However, it's useful to know that the money you personally contribute to your 401(k) is ultimately yours. As a result, your 401(k) administrator is obligated to assist you in rolling it over into a personal plan if you choose to do so.
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