text:  You won. So what folks do, and it makes sense to do this sometimes, is you pull it out of your 401K, transfer it to an IRA, and let's say you're 10 years away from retirement. Let's say you're 55 years old. You plan on retiring at age 65. You move the money over. It's in your IRA, and we use the Jackson National Life Plan. What we have is a portfolio of investments that are going to grow for us, but if it does not, your worst-case scenario every year is 6% appreciation.