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Need to be Sold to "Cash", the "Cash" can then be transferred to Schwab, then you can buy other Mutual Funds once its in your Schwab IRA. As a practical matter this is 100% normal and WILL NOT result in any tax consequences to your normal income. Apparently there is an electronic mechanism to transfer normal investment accounts so that stocks do not have to be sold, but there is no equivalent electronic mechanism to transfer (or roll over) a 401k or an IRA. But as other posters said - there is no tax implication to you because of that. When rolling a retirement plan from one institution to another, the money has to transfer in the form of cash.


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