原来在别的州工作时往TIAA traditional里放了些钱，现在想roll over转到vanguard IRA。TIAA 给我回信如下，不能一次全转出来，要分多年通过fixed period annuity取：The remaining balance in your 401(a) is in TIAA Traditional, our guaranteed annuity product. Since this product provides protection from loss and a guaranteed rate of interest, unfortunately, it is not eligible for lump sum rollovers or withdrawals.In order to roll out this investment, you must set up a fixed period annuity. You may set up the annuity for a time frame of between 5 and 30 years. 但我在https://www.tiaa.org/public/pdf/transfer-payout-annuities.pdf看到说When TIAA Traditional Annuity is made available in an employer-sponsored retirement plan, incomeand withdrawal options are subject to the terms of the plan. Withdrawals prior to age 59½ may besubject to a 10% federal tax penalty in addition to ordinary income tax. 这里有罚款是指取现金把, 我roll over到 另一个IRA不会罚款把 。我的理解对吗？ 谢谢大家
但我在https://www.tiaa.org/public/pdf/transfer-payout-annuities.pdf看到说When TIAA Traditional Annuity is made available in an employer-sponsored retirement plan, incomeand withdrawal options are subject to the terms of the plan. Withdrawals prior to age 59½ may besubject to a 10% federal tax penalty in addition to ordinary income tax.
这里有罚款是指取现金把, 我roll over到 另一个IRA不会罚款把 。我的理解对吗？ 谢谢大家