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If you change jobs, smart retirement planning says to roll your current retirement assets into an IRA rollover account. This can be done years later, as long as your former employer lets you keep your money in the old retirement investing plan. Why rollover the old company plan? You give you or your retirement planner a wealth of additional investment possibilities. Company retirement plans are usually limited to six or fewer investment options. With an IRA rollover, particularly at a mutual fund company the number of investment choices rises into the hundreds or even thousands.