--- title: What you won’t hear in commencement addresses description: "RCH President & CEO Spencer Williams offers sage advice to college graduates, as they enter the workforce: consolidate your retirement savings!" image: http://blog.rch1.com/hubfs/Publications/MarketWatch/Logo/marketwatch-logo.png --- [![Retirement Clearinghouse Logo](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/logo.png?width=1000&height=648&name=logo.png "Retirement Clearinghouse Logo")](https://rch1.com/) [Privacy Policy](https://securities.rch1.com/common/PrivacyStatement.pdf) [Sponsors/Service Providers](https://rch1.com/plan-sponsors) [Individuals](https://rch1.com/individuals) [Login](https://rch1.com/#) - [Home](https://rch1.com/home-page) - [Individuals](https://rch1.com/individuals) - [Individuals Home](https://rch1.com/individuals/individuals-home) - [Who is RCH?](https://rch1.com/individuals/who-is-rch) - [Why Does RCH Have My Retirement Savings?](https://rch1.com/individuals/why-does-rch-have-my-retirement-funds) - 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Citing job-changing statistics from [EBRI](http://www.ebri.org), as well as the poor decisions made to cash out or strand retirement savings.  Williams also points to a [2015 study of mobile workforce behaviors](https://info.rch1.com/mobileworkforce), conducted by [Boston Research Technologies](http://www.bostonrt.com), which found that 32.8% of workers left behind their retirement savings in their most recent, former employer’s plan, despite the fact that almost 98% of plans are able to accept roll-ins from other plans. College graduates will learn the value of a dollar soon enough, says Williams, who advises these new savers to begin saving early, often – and, when changing jobs -- to move their retirement savings forward to their current employer’s plan.   [Back](https://blog.rch1.com/blog) [![Retirement Clearinghouse An RLJ Company](https://blog.rch1.com/hs-fs/hubfs/raw_assets/public/Retirement_Clearinghouse_May2022/images/footer_logo.png?width=1000&height=648&name=footer_logo.png "Retirement Clearinghouse An RLJ Company")](https://rch1.com/) 1916 Ayrsley Town Boulevard Suite 200 Charlotte, NC 28273 - [Individuals](https://rch1.com/individuals) - [Plan Sponsors](https://rch1.com/plan-sponsors) - [Auto Portability](https://rch1.com/auto-portability) - [Company](https://rch1.com/company) - [News & Information](https://rch1.com/news) - [Mission](https://rch1.com/company/mission) - [Careers](https://rch1.com/company/careers) - [Contact Us](https://rch1.com/contact-us) - [Logins](https://rch1.com/#) - [Disclosure Central](https://rch1.com/individuals/learning-center/resources-%26-downloads) - [Do Not Sell or Share](https://blog.rch1.com/blog/what-you-wont-hear-in-commencement-addresses#decline-cookies) - [My Personal Information](https://blog.rch1.com/blog/what-you-wont-hear-in-commencement-addresses#decline-cookies) - - - Individuals should consult their tax advisers or legal counsel for advice and information concerning their particular situation. 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