Wherever your career takes you, there's a home for your 401(k)

What's next for your old 401(k)?


Combine it

Fidelity's rollover IRA

With a rollover IRA, you can add 401(k)s throughout your career—keeping control, flexibility, and a complete view of your investments. Learn more


Consider this if you prioritize:

  • No fees or minimums*
  • Help choosing from a wide range of investment options


Take it with you

Fidelity's small-business plans

You can open a new account for your future contributions (for example, a Self-employed 401(k), or SEP or SIMPLE IRA), then roll over into that account.


Consider this if you prioritize:

  • A single plan to manage
  • Often no fees or minimums


Leave it there

Old employer's 401(k)

Most employer's allow you to leave your 401(k) in their plan. It will continue to grow tax-deferred, and you can always move it later.


Consider this if you prioritize:

  • Minimizing paperwork
  • Fees that don't change

Or you can withdraw your money, but keep in mind that taxes will apply, plus possible withdrawal penalties.


Want more details?


You can quickly and easily compare all your options side-by-side.


If you'd like to talk through your options, we can help.