For reasons discussed in another post, I am thinking of rolling a significant amount of money from my IRA into my company's 401(k) plan. Can anyone think of any implications other than the following:
1) I will now be limited to the investment choices in the employer's plan. (Not a big deal; I am mainly in index funds, and the employer plan has an S&P 500 fund with expenses of 5 basis points. I also have a larger amount in a Roth IRA that I will be able to keep investment control over.)
2) I can no longer convert the amount to a Roth if I choose. However, I can in effect "convert" $22,000 a year (I am over 50) by contributing to the employer plan on a Roth rather than after-tax basis.
3) I could now borrow against the money if I wanted to take a loan from the employer's plan. (Not that I can see doing this.)
4) If the employer plan has an annuity option when I retire, I would be able to take advantage of that for the full amount. (However, I could always do the rollover later.)
Have I missed anything?
Thanks.