Switching jobs? What happens to your 401(k), and why Roth accounts work differently

Switching jobs can change what happens to your 401(k) savings. Small balances may be cashed out, while others may move to an IRA automatically. Traditional and Roth accounts follow different rules, especially when rolling money over. Some funds must be invested to grow. Current limits make Roth rollovers harder, but new proposals aim to give workers more flexibility.