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So a rollover IRA is for when your changing or leaving a job, a rollover IRA is a convenient, flexible way to take your old 401(k) or other workplace retirement accounts with you. Versus a Traditional IRA which is an individual retirement account designed to help people save for retirement, with taxes deferred on any potential investment growth. Contributions are generally made with after-tax money, but may be tax-deductible if you meet income eligibility.