Find my HCL America 401(k) plan

Rolling over your HCL America 401(k) into an IRA is a great way to keep track of your retirement savings and make sure you’re in control, not your former employer. There are three steps to rolling over a HCL America 401(k):

1. Confirm a few key details about your Principal 401(k) plan
2. Decide which IRA you want to move your Principal 401(k) to
3. Initiate your rollover with Principal
4. Get a check in the mail and deposit it into your new IRA account
5. Make sure your funds are being invested properly

If you’re uncomfortable handling the rollover process on your own, Capitalize offers a seamless, online 401(k) rollover service to help you from start to finish.

Withdrawing, or cashing out, your HCL America 401(k) may provide liquidity, though it can come with significant tax implications and penalties, potentially hampering your retirement savings growth. If you have explored other options, like a 401(k) rollover or loan, and decided to withdraw, the process only involves a few steps: Determine how much of your HCL America 401(k) you’d like to cash out.

1. Call or contact your HCL America 401(k) plan administrator.
2. Request that your account be liquidated in the amount of your choosing.
3. Have the administrator send the requested cash-out amount to via paper check or ACH transfer.
4. Wait a few days to receive the money.

Remember, cashing out should typically be reserved for emergency circumstances. Capitalize can help you roll over your HCL America 401(k) instead, saving you from tax implications and penalties.

HCL America offers HCL AMERICA, INC. 401(K) PLAN through Principal. Their plan covers 17,520 employees.