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Old retirement accounts don’t follow you when you change jobs. That's the gap many people don't close.
Our survey found:
Most people are saving for retirement, but those savings are often spread across multiple past employers, sitting in accounts that are rarely reviewed or actively managed.
Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.
Get startedAt first, it’s easy to ignore an old 401(k), but over time, it can make your retirement feel less clear and harder to plan for.
Each job change can add another retirement account, and with people working around 12 jobs on average over a career, that can quickly add up.
Here's where the real cost shows up. Our survey data on what people do with old 401(k)s:
That means the majority of accounts are either abandoned or removed from long-term growth altogether. In some cases, people cash out early, triggering taxes and penalties and losing years of potential growth. Even when accounts are left untouched, they may no longer reflect current goals, risk tolerance, or investment strategy. What begins as a small delay in decision-making can slowly reduce clarity and long-term efficiency.
Bringing your accounts together isn’t just organization, it changes what you can see and act on:
It’s not just about convenience. It’s about making your retirement savings easier to understand, monitor, and actively manage.
Your retirement savings shouldn't be sitting across forgotten logins and old jobs. They should be somewhere you can actually see them.
PensionBee helps you roll over old 401(k)s, 403(b)s, IRAs and other retirement accounts into a single IRA, invested in diversified portfolios with ETFs like SPY and MDY from State Street Investment Management. You also get a 1% match on every rollover and contribution (terms & conditions apply), and a dedicated rollover manager (we call them your BeeKeeper) who handles communication with your old providers so you don't have to chase paperwork.
Roll over all your old 401(k)s into a PensionBee Individual Retirement Account (IRA). It takes just a few minutes to sign up.
Get started
Investing involves risk. Past performance is no guarantee of future results.
Not bank guaranteed. Not FDIC insured.
No Solicitation, Recommendation or Warranties
Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers
A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors
State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies
We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores
Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration
PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
© Copyright 2026 PensionBee Inc. All rights reserved.
Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers
A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors
State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies
We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores
Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration
PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
© Copyright 2026 PensionBee Inc. All rights reserved.
Information provided directly by PensionBee or on PensionBee’s behalf, whether via direct communications from PensionBee, publicly accessible pages of PensionBee.com/us (including when accessed via the PensionBee app), PensionBee advertising and sponsorships, PensionBee’s direct and sponsored social media, or otherwise, in each case including any associated customer testimonial or third party endorsement and any information prepared by any unaffiliated third party or link to any third party source (collectively, “PensionBee Materials”) is provided solely for informational and educational purposes.
PensionBee Materials do not constitute tax, legal, financial or investment advice or an offer, solicitation or recommendation to buy or sell any securities or investments.
PensionBee Materials do not consider any individual investors’ specific financial, legal or tax situation, objectives, risk tolerance, or investment needs.
PensionBee Inc. does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of, and takes no responsibility for, any PensionBee Materials.
*Product images, figures, and projections used are hypothetical, for marketing purposes only, and do not represent actual customer returns.
Where PensionBee customers are featured, each has received a one-time cash payment for their testimonial. Testimonials reflect individual customer experiences and may not be representative of all PensionBee Customers.
Options on Rollovers
A rollover is not your only option for an old 401(k) or IRA, you may alternatively decide to leave your assets with your former employer, rollover your plan to a new employer or to cash in your old plan with the resulting tax penalties applied. PensionBee Inc. does not provide tax advice or individual recommendations as to which of these options is most appropriate for your individual circumstances. To understand the implications of each of the options available to you and help you decide between them you may wish to consult a tax professional and or your financial advisor who has knowledge of your individual circumstances. For more information see FINRA - Retirement Accounts.
Our collaboration with State Street Global Advisors
State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein.
The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.
The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA's express written consent.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value and may trade at prices above or below the ETFs net asset value. Brokerage commissions and ETF expenses will reduce returns.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC or its affiliates (“S&PDJI”) and have been licensed for use by State Street Global Advisors. S&P®, SPDR®,S&P 500®, US 500 and the 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and has been licensed for use by S&P Dow Jones Indices; and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by State Street Global Advisors. The fund is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of these indices.
Distributor: State Street Global Advisors Funds Distributors, LLC, member FINRA, SIPC, an indirect wholly owned subsidiary of State Street Corporation. References to State Street may include State Street Corporation and its affiliates. Certain State Street affiliates provide services and receive fees from the SPDR ETFs.
ALPS Distributors, Inc., member FINRA, is distributor for SPDR® S&P 500®, SPDR® S&P MidCap 400® and SPDR® Dow Jones Industrial Average, all unit investment trusts. ALPS Distributors, Inc. is not affiliated with State Street Global Advisors Funds Distributors, LLC.
Before investing, consider the funds' investment objectives, risks, charges and expenses. To obtain a prospectus or summary prospectus which contains this and other information, call 1-866-787-2257 or visit statestreet.com/im. Read it carefully.
Website Cookies
We use cookies and similar technologies to enable our website to function, understand how our website is used, and support advertising and marketing activities. You can manage your cookie preferences at any time through our Manage My Cookies settings. Disabling advertising cookies may prevent certain advertising, retargeting, and cross-site tracking technologies from being used and may impact some website functionality and personalised content. Where required by applicable law, we recognise browser-based opt-out preference signals, including Global Privacy Control (GPC), and will automatically disable advertising and cross-context behavioural advertising cookies for that browser or device where applicable. For more information about how we collect and use personal information, please see our Privacy Policy.
Trust Pilot Scores
Trustpilot is a consumer review platform. Trustpilot scores shown in PensionBee Materials are a result of reviews collected from PensionBee customers in the UK between 2016 and 2026 scoring PensionBee’s UK pension products. Customers were not compensated to give a review. The score has always been 4.5 or higher.
SEC Registration
PensionBee Inc. is registered with the SEC as an investment adviser (CRD # 331741/SEC#: 801-130697). A copy of PensionBee Inc. 's Brochure containing our written disclosure statement discussing our business operations, services, and fees, is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from us.
PensionBee Inc. (Delaware Registration Number SR20241105406) is located on 85 Broad Street, New York, NY 10004.
© Copyright 2026 PensionBee Inc. All rights reserved.
