Compare your options

Features & Investments

Option 1:
Roll Over to a Fidelity IRA
Option 2:
Roll Over to New Workplace Plan
Option 3:
Stay in Old Workplace Plan
What are my investment choices? Wide Range of Options

Invest in your choice of mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs

Varies by Plan

Your options are limited by your plan's investment choices. Some plans may include lower-priced investments.

Varies by Plan

Your options are limited by your plan's investment choices. Some plans may include lower-priced investments.

Can I consolidate retirement accounts? Yes

You may move both 401(k)s and IRAs to Fidelity in order to consolidate and simplify your financial life.

Varies by Plan

If your plan allows, you may combine your old and new 401(k)s, as well as any IRAs, in a single account.

Varies by Plan

If your plan allows, you may combine your old and new 401(k)s, as well as any IRAs, in a single account.

Can I continue tax-deferred contributions? Yes1 Yes2 No

Features & Investments

Option 1: Roll Over to a Fidelity IRA

What are my investment choices? Wide Range of Options

Invest in your choice of mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs

Can I consolidate retirement accounts? Yes

You may move both 401(k)s and IRAs to Fidelity in order to consolidate and simplify your financial life.

Can I continue tax-deferred contributions? Yes1

Option 2: Roll Over to New Workplace Plan

What are my investment choices? Varies by Plan

Your options are limited by your plan's investment choices. Some plans may include lower-priced investments.

Can I consolidate retirement accounts? Varies by Plan

If your plan allows, you may combine your old and new 401(k)s, as well as any IRAs, in a single account.

Can I continue tax-deferred contributions? Yes2

Option 3: Stay in Old Workplace Plan

What are my investment choices? Varies by Plan

Your options are limited by your plan's investment choices. Some plans may include lower-priced investments.

Can I consolidate retirement accounts? Varies by Plan

If your plan allows, you may combine your old and new 401(k)s, as well as any IRAs, in a single account.

Can I continue tax-deferred contributions? No

Fees, Expenses & Taxes

Option 1:
Roll Over to a Fidelity IRA
Option 2:
Roll Over to New Workplace Plan
Option 3:
Stay in Old Workplace Plan
Are taxes deferred on any growth? Yes1 Yes Yes
What if I hold appreciated employer stock in my plan?

Special tax treatment may be available for your stock ("Net Unrealized Appreciation"). Consult your tax advisor for more information.

Will I pay annual account and maintenance fees? No

With a Fidelity IRA, you pay no annual account or maintenance fees.*

Varies by Plan Varies by Plan

Fees, Expenses & Taxes

Option 1: Roll Over to a Fidelity IRA

Are taxes deferred on any growth? Yes1
What if I hold appreciated employer stock in my plan?

Special tax treatment may be available for your stock ("Net Unrealized Appreciation"). Consult your tax advisor for more information.

Will I pay annual account and maintenance fees? No

With a Fidelity IRA, you pay no annual account or maintenance fees.*


Option 2: Roll Over to New Workplace Plan

Are taxes deferred on any growth? Yes
What if I hold appreciated employer stock in my plan?

Special tax treatment may be available for your stock ("Net Unrealized Appreciation"). Consult your tax advisor for more information.

Will I pay annual account and maintenance fees? Varies by Plan

Option 3: Stay in Old Workplace Plan

Are taxes deferred on any growth? Yes
What if I hold appreciated employer stock in my plan?

Special tax treatment may be available for your stock ("Net Unrealized Appreciation"). Consult your tax advisor for more information.

Will I pay annual account and maintenance fees? Varies by Plan

* There is no cost to open and no annual fee for Fidelity's Traditional, Roth, SEP, and Rollover IRAs. A $50 account close out fee may apply. Fund investments held in your account may be subject to management, low balance and short term trading fees, as described in the offering materials. For all securities, see the Fidelity commission schedule (PDF) for trading commission and transaction fee details.

Loans & Withdrawals

Option 1:
Roll Over to a Fidelity IRA
Option 2:
Roll Over to New Workplace Plan
Option 3:
Stay in Old Workplace Plan
Can I take a loan from the account? No Varies by Plan Varies by Plan
Can I withdraw penalty-free for a qualifying first home purchase or college expenses? Yes No No
Can I withdraw penalty-free at age 55? No Sometimes

Depends on when you terminate employment.3

Sometimes

Depends on when you terminate employment.3

Can I withdraw penalty-free at age 55? No Yes No

Loans & Withdrawals

Option 1: Roll Over to a Fidelity IRA

Can I take a loan from the account? No
Can I withdraw penalty-free for a qualifying first home purchase or college expenses? Yes
Can I withdraw penalty-free at age 55? No
Can I defer required minimum distributions (RMDs) past age 70½? No

Option 2: Roll Over to New Workplace Plan

Can I take a loan from the account? Varies by Plan
Can I withdraw penalty-free for a qualifying first home purchase or college expenses? No
Can I withdraw penalty-free at age 55? Sometimes

Depends on when you terminate employment.3

Can I defer required minimum distributions (RMDs) past age 70½? Yes

Option 3: Stay in Old Workplace Plan

Can I take a loan from the account? Varies by Plan
Can I withdraw penalty-free for a qualifying first home purchase or college expenses? No
Can I withdraw penalty-free at age 55? Sometimes

Depends on when you terminate employment.3

Can I defer required minimum distributions (RMDs) past age 70½? No

Other

Option 1:
Roll Over to a Fidelity IRA
Option 2:
Roll Over to New Workplace Plan
Option 3:
Stay in Old Workplace Plan
Are my assets protected from creditors?

Federal protection applies, but state law varies4

Yes Yes

Other

Option 1: Roll Over to a Fidelity IRA

Are my assets protected from creditors?

Federal protection applies, but state law varies4


Option 2: Roll Over to New Workplace Plan

Are my assets protected from creditors? Yes

Option 3: Stay in Old Workplace Plan

Are my assets protected from creditors? Yes