Rollover IRA

Keep your retirement savings on course and reach your long-term savings goals

A Rollover Individual Retirement Account (IRA) has the same tax benefits as a Traditional IRA and there is no limit to the amount you can rollover from a qualified plan.

Best if you

  • Would like to have a broader choice of investments and keep your savings tax-deferred
  • Want to rollover assets from multiple former employer plans into one easy-to-manage account
  • Are interested in flexible distribution options


  • Tax advantages are protected
  • No limit to the amount of tax-deferred money you can transfer
  • Generally, lower investment costs

For your information

It may be helpful to consider some of the contribution and distribution requirements when deciding if the Rollover IRA is right for you.


When choosing a retirement plan, consider some of these contribution requirements for a Rollover IRA.

  • Eligible individuals may rollover savings from former workplace plans, including 401(k), 403(b) or 457(b).
  • For 2017, your contributions to all of your Traditional and Roth IRAs cannot be more than $5,500 ($6,500 if you're age 50 or older), or your taxable compensation for the year, whichever is less.


Rollover IRA withdrawal rules and penalty details vary depending on your age.

  • Your deductible contributions and earnings will be taxed as ordinary income.
  • For distributions, participants must be over age 59½, disabled, deceased or a first-time home buyer. There is a 10% penalty for withdrawals before age 59½.
  • Minimum required distributions start at age 70½.
  • Under certain circumstances, you may be able to avoid the penalty on early withdrawals.

Whether your priorities include retirement, education, security, a life event, legacy planning—or all of these—BB&T Investments has solutions to help you reach your goals.

Ready to get started?

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By mail

Send certificates and correspondence to:

BB&T Investments
200 S. College St., 11th Floor
Charlotte, NC 28202

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Not convinced that a Rollover IRA is right for you?

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Investment solutions are provided by BB&T Investments, a division of BB&T Securities, LLC (opens in a new tab) member FINRA (opens in a new tab)/SIPC (opens in a new tab). BB&T Securities, LLC is a wholly-owned nonbank subsidiary of BB&T Corporation. Securities and insurance products or annuities sold, offered or recommended by BB&T Investments are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may lose value. 

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