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digitalapnea | 2 years ago

Depends on what you mean by "manage". The money is explicitly yours, the company can never touch it. However; you are locked into the company agreement with the custodian (e.g. Vanguard and their list of investment funds).

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xgl5k|2 years ago

Not locked. You can roll it over into a IRA/ roth IRA and manage yourself. You won't pay early withdrawal taxes as long as you roll over within 60 days.