Capturing the IRA Rollover Market

Summary

The annual IRA rollover market will cross $1 trillion by 2030. A number of factors influence why investors roll plan balances and where they choose to move their money. Building on past LIMRA research, this study identifies when and why investors make rollover decisions and what influences them, as well as where they roll money and how they execute transactions. Results are based on a 2025 survey of over 1,000 investors, aged 40 to 75, who had left an employer where they had a workplace retirement plan balance within the past two years and had either rolled the balance to an IRA or had kept the money in the plan. Key questions examined:

• When do investors make IRA rollover decisions?
• Who influences rollover and stay-in-plan decisions?
• Why do investors choose to complete rollovers or leave money in the plan?
• Where do investors roll their plan balances – and how often does the money remain with the plan recordkeeper?
• What investment options — including annuities — do investors prefer?

• Research Abstract
• Consumer
• Retirement

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