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When managing your 401k plan, one of the biggest mistakes that you could possibly do is not to have a Discover More. A rollover is when you transfer your 401k funds into a place that can take care of it for you, such as financial institutions. Sure, you can withdraw your retirement funds. Perhaps, this is the first thing that you could think of after you lose your job but this is rarely the best solution. You need to know that withdrawing your retirement funds subjects you to several tax and penalties, which may just consume your funds in the end.