Money flows one way in retirement planning. Out of the workplace plan, into the IRA. Everybody knows this.
You leave a job, you roll the 401(k) into an IRA, you get more investment choices, you feel organized.
Almost nobody knows the road runs both directions.
You can move money from a traditional IRA back into a 401(k). It is called a roll-in, or a reverse rollover, and for a specific group of people it is worth several thousand dollars a year.
Here is the strange part. The people who benefit most are usually the ones who did the standard thing first. They rolled an old plan into an IRA, felt good about it, and unknowingly closed a door they now want open.
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So this is the article about walking it back.