Traditional and Roth IRA exchanges and rebalances

Before you get started

Requests to exchange or rebalance your Capital Bank and Trust Company (CB&T) IRA(s) are generally processed on the same business day. Requests received after the close of the New York Stock Exchange are processed using the next business day’s price per share. Consider talking to your financial professional before completing an exchange or rebalance. They can offer advice and help you make decisions that support your long-term financial plan.

Things to consider

  • Exchanges and rebalances within an IRA are not tax-reportable and do not generate a tax form.
  • Exchanges and rebalances are generally allowed within the same account type and share class.
  • When Class A shares in American Funds U.S. Government Money Market Fund that have not previously paid a sales charge are exchanged, a sales charge will apply.
  • Rebalance requests must equal 100% of the account balance, and at least 1 fund in the account must change by 5% or more for the account to rebalance.

 

Popular tasks

One-time exchanges and rebalances

You can request exchanges and rebalances online. Go to your account and click Exchange or Rebalance.

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Automatic exchanges and rebalances

You can set up and update automatic exchange and rebalance plans online. Go to your account and click Automatic Transactions.

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Exchange from another account

You can exchange shares from your individual or joint account into your IRA. Go to your account and click Exchange.


Note: Exchanges between different accounts are considered a distribution and may be a taxable event. Consult a tax advisor for additional information.

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Link your bank account to easily make investments in your account at Capital Group

By linking your bank account, you can easily and securely invest via Automated Clearing House (ACH).
 

Just log in and click Set Up under Bank Information.

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Common questions

Only exchanges into a Class A share class fund from American Funds U.S. Government Money Market Fund shares that were initially purchased without a sales charge will be subject to the appropriate sales charge.

The minimum amount for an exchange is $50 per fund.

Exchanges can be used to open a new fund if the fund minimum will be met, and the minimum must be maintained for any existing funds.

An automatic exchange plan can be set up to make exchanges based on a(n):

  • Fixed dollar amount
  • Share amount
  • Annual percentage*
  • Fixed percentage*
  • Declining balance*
  • Declining number of years*
     

*This type of automatic exchange plan cannot be established online.

Automatic rebalance plans occur on the 20th of the month(s) based on your selected schedule:

  • Quarterly — March, June, September and December
  • Semiannually — June and December
  • Annually — December

The guidelines for a one-time rebalance and an automatic rebalance plan are:

  • All funds must have the same account number
  • All funds must have the same share class
  • At least one fund’s value must change by 5% or more
  • The rebalanced amount must equal 100%


American Funds U.S. Government Money Market Fund can be included or excluded from the rebalance.

Note: The fund minimum must be met for any new funds established, and the minimum must be maintained for any existing funds.

Contact us

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Contact us 8:00 a.m. to 7:00 p.m. ET, Monday through Friday.

call (800) 421-4225
This material does not constitute legal or tax advice. Investors should consult with their legal or tax advisors.
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