It's supposed to be a cinch. Make a phone call, fill out a form, and presto!— your nest egg is safely transported from one employer's retirement plan to the next. "Most times it takes about 15 minutes to take control of your 401(k)," claims a recent ad from Fidelity Investments. But rest assured, with $127 billion and a heap of paperwork changing hands every year, it takes but a few seconds to get tangled in the rollover runaround.
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