Moving or Changing Jobs

Updating your information with Janus Henderson is easy. Simply log in to your account to verify and update contact information. U.S. citizens and permanent residents who keep their address within the U.S. do not need to take further action.

For moves outside the U.S.

For assistance with adding a non-U.S. address to your account, please contact a Janus Henderson Representative at 800.525.3713 weekdays from 9 a.m. to 6 p.m. ET.

Be aware: If you maintain residences in different U.S. states, you may need to file taxes in each state. Tax laws and tax rates vary by state, so consult a local tax professional if you have questions.

Make sure that every account that's linked to your bank receives the changes. Review any automatic payments and investments to ensure your bank information is current.

Remember: If your bank issues a new debit card, notify the companies that use your card for automatic drafts.

When you change jobs, you have several options to roll over an old retirement plan, including rolling your assets into a Janus Henderson IRA. Be sure to consider all available options and the applicable fees and features of each.

Rolling over

A rollover into a new IRA is a two-step process. First, contact your former employer and complete their rollover process. Then, either call us or complete the Janus Henderson Direct Rollover Form to let us know how to invest your new IRA assets.

Moving plans

If your new employer has a retirement plan, they may allow you to roll over assets into their plan.

Leaving it

In certain situations, it might make sense to leave assets in your old employer’s retirement plan. Before you do this, check with your previous employer to make sure they allow it.

Cashing out

Taking a cash distribution is also a possibility, but generally, withdrawals may be subject to taxes and early withdrawal penalties. Along with these taxes and penalties, you may lose out on potential compounding returns in the future. Unless you need the money immediately, you might consider keeping it invested toward your long-term goals.

Now is a great time to review your Janus Henderson asset allocation to make sure it’s on track with your goals. Has your risk tolerance changed? Does a new job bring new retirement goals? Perhaps you’d like to change your investment mix to reflect a new lifestyle.

There is no simple formula to calculate the perfect allocation strategy for you. Learn more about asset allocation and diversification as it relates to building a sound portfolio. Then, compare this new information with your current investments to see if action is needed at this time. Log in to your account to view your current investments.