The transfer of qualified retirement plan distributions into an individual retirement account with no actions needed by the account holder. 2. The reinvestment of a certificate of deposit"s principle and interest with no actions needed by the account holder upon maturity. The certification holder could possess a brief window during which to transfer the net income to a different account when a certificate of deposit matures. When they do nothing, the profits are automatically reinvested by the financial institution into a brand new certificate of deposit using similar maturity as the first certificate of deposit.