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If you retire after age 59 1/2, you will be eligible to make withdrawals from your plan without penalty, although the withdrawal will be subject to income taxes.
Your options concerning where to keep the money are the same as if you leave your job before age 59 1/2: you can leave the money with your employer, withdraw it all as a lump sum, roll it over to an IRA, or do a trustee-to-trustee transfer. (To learn more, see: If You Leave Your Employer Before Reaching Age 59 1/2, There Are Limitations On What You Can Do With The Money).
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