401(k) Rollover to IRA

Fidelity makes it easy to roll over an old workplace retirement plan such as a 401(k) to a Fidelity IRA.

What do you get with a Fidelity Rollover IRA?

  • Help building a plan that keeps up with a changing market and can adapt as your needs change
  • A wide range of investment options, including Fidelity and non-Fidelity funds, plus help choosing them
  • An easy-to-follow rollover process, with access to a specialist along the way

Ready to get started?


Tax benefits

A Rollover IRA is a type of Traditional IRA with the same potential tax-deferred growth of savings.

Withdrawals

10% early withdrawal penalty may apply for withdrawals taken prior to age 59½ if no exceptions apply.

Penalty-free withdrawals for qualifying first-time home purchase and certain college expenses

Minimum required distributions (MRDs) starting at age 70½

Contributions

Continue saving for retirement on a tax-deferred basis.1

May be appropriate for

Individuals who have changed jobs or retired and have left savings in a former employer's workplace savings plan (i.e., 401(k), 403(b), governmental 457(b))
Support and guidance

One-on-one guidance—in person, online, or over the phone

Research and tools to help you create a long-term plan and choose investments

Investment options

Access to a wide range of investments offering growth or income including mutual funds, stocks, bonds, ETFs, and FDIC-insured CDs. Learn more about your investment options

Account opening and annual maintenance fees

None*

*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.

Trading Fees

$7.95 for online U.S. equity trades

Rated 4.3 out of 5 by 775 reviewers.
Rated 5 out of 5 by Easy to view, change, and lookup Not being a super savvy to financial trends I like the ease of talking to customer service, having changes made and the ease of the whole process. I can log into account and check all transactions - again easy to use. January 18, 2016
Rated 5 out of 5 by Pleasant, and trustworthy The process was easy, as well as educational. Every person I talked to did an amazing job of asking me important questions and walking me through how I could do everything possibly to make my money work for me. Everyone was extremely knowledgeable and very polite. Thanks for making this process easy and comfortable. January 5, 2016
Rated 5 out of 5 by Rollover IRA from Profit Sharing Process was pretty straightforward and simple once we had contacted Vito our Fidelity representative. He set up the Rollover IRA account and outlined the process and defined the address and who the check was to be made out to. The rollover went off without a hitch without me ever taking physical possession of the check which could potentially have resulted in a withholding and even triggerred a taxable event. January 4, 2016
Rated 5 out of 5 by Never Too Early What a great catch phrase to motivate this Mom to jump back in the game after letting my $ sit for way too long while I raised my children. From the moment I saw the words "Never Too Early" it completely changed my thinking from "It's too late now" to "Why not start right now!". I called and spoke to a Fidelity representative who was literally happy to hear from me. It was like speaking with a long lost friend who was happy I was back in town. He helped me get a fresh new start on my investments & encouraged me to stay in the game while assuring that Fidelity's assisance is just a phone call away! December 12, 2014
Rated 5 out of 5 by Good rollover choice I started doing some investing with Fidelity because my company had my 401k with them and they seemed like a good choice. The investment side works so well and easily that when I retired, I rolled my 401k over into a Fidelity IRA. That was a quick, easy and seamless process. The breadth of investment choices with Fidelity is excellent, and the online tools to view, report, analyze or change my investments work well. September 16, 2014
Rated 5 out of 5 by confidence in Fidelity confirmed The transition for my retirement accounts from my employer to my rollover IRA couldn't have been easier. The assistance and advice for consolidating my accounts was excellent and the brokerage website and options for investing couldn't be better. I am 100% pleased with the services Fidelity offers. July 10, 2014
Rated 5 out of 5 by New rollover account Establishing a new rollover account was simple and convenient online. Then the transfer from another management company to Fidelity was flawless. Special instructions were given when some funds were not able to be transferred in kind. I spoke with an agent when I had questions and was very please with the help.The Old Guy February 3, 2014
Rated 5 out of 5 by Process was streamlined and fast Fidelity did a great job with my rollover. The process was fast and I didn't have to do much on my end. I have worked for some of Fidelity's biggest competitors and I can confidently say that Fidelity is light years ahead of them in service, technology, and overall customer satisfaction. I have been suggesting Fidelity to all my friends and family as the place to roll over their old assets because of the fast and clean platform to manage their money. Fidelity's reps are always friendly and helpful and do not go overboard in suggesting other products. I vouch for Fidelity. I hope to achiece all my financial goals with them. November 14, 2013
Rated 5 out of 5 by Safe and easy The rollover was easy. The fees are great. The education options are great and the support staff is wonderful. July 7, 2013
Rated 5 out of 5 by Very good service - well pleased. The Fidelity characteristic I like best is the consistency of good customer service. I have had a Fidelity account for many years and have never been disappointed. Also the handling of paperwork and follow up by Fidelity representatives is very good. I have gradually consolidated my accounts with Fidelity and look forward to continued good service in my retirement. June 27, 2013
Rated 4 out of 5 by Reliable Transferred from my 401K administered by Fidelity due to certain restrictions on my 401K. Transfer was done efficiently and has been very helpful in maintaining my finances. June 20, 2016
Rated 4 out of 5 by Convenient I worked through a Fidelity local agent. He helped set up the online stuff. The rest came easy. Moved 4 external accounts to my one Fidelity Rollover account. Simplified everything. June 20, 2016
Rated 5 out of 5 by comfortable and trustworthy Because our life style and financial needs are very simple at this stage of our life it is very satisfying to be able to meet all our needs with people in person and conveniently located. The roll over of our IRA into Fidelity was very simple.t. June 17, 2016
Rated 5 out of 5 by Rollover I had to rollover a portion of my employer's 401 and the staff at the Fidelity office in Oakdale, MN were very helpful and insightful as to the positions I needed to update to make my 401 perform better and safer June 14, 2016
Rated 5 out of 5 by Happy Retiree I am very pleased with the ease of rollover and the selection of a Minium Required Distribution format. The over the phone staff were very helpful as was the on site review by my assigned councilor. June 14, 2016
Rated 4 out of 5 by all is well I have no complaints and has done well for me the past 10 years June 13, 2016
Rated 4 out of 5 by Excellent service Fidelity service is excellent from the local branch personnel to the call in number personnel however I do not find the online services as user friendly or as comprehensive as I had expected. June 13, 2016
Rated 4 out of 5 by 6 Months Only 6 months of my investments being in this 401 account, I have been able to review the account with ease. Not enough me to evaluate it's value. June 13, 2016
Rated 4 out of 5 by IRA As a newcomer to managing my own investment, I really need training, consultation and mentoring. The resources and tools available are good but it is overwhelming and information over load. June 13, 2016
Rated 5 out of 5 by Confidence in Fidelity My wife and I have our retirement savings (taxable and non-taxable 401K,403B, etc.) invested with Fidelity. My wife inherited an IRA from her father which was invested with another organization. We rolled it over to Fidelity for simplicity of management and investment choices. Fidelity was immensely helpful by detailing the steps we needed to follow to avoid a taxable situation. The organization where the funds were invested originally had very inexperienced representatives assigned. They did not ask the appropriate questions and were unfamiliar with Inherited IRA rules. Thank goodness Fidelity advocated for its customer (me), and was politely insistent with the competitor that a different process (from what the competitor suggested) would be much wiser. We avoided significant tax and made the tax reporting straightforward. Another reason to invest with Fidelity. June 13, 2016
Rated 5 out of 5 by customer service and new accounts Needed easier access to retirement accounts. Customer service and account reps are knowledgable, curtious and very helpful in transferring assets to Fidelity. I now have access to my accounts that suit me. June 10, 2016
Rated 5 out of 5 by Compedent I have held accounts with Fidelity for many years so when it came time to roll our 401k plans to IRAs I didn't hesitate and am so glad I did it. June 9, 2016
Rated 5 out of 5 by Very happy with the customer service I was a bit apprehensive when I needed to rollover my 401k but the Fidelity representatives have made the process amazingly simple. They gave been patient and helpful. June 8, 2016
Rated 5 out of 5 by customer service very courteous know job well, but sometime you don't get that return call they promise have not had a lot of business transaction with the company, but am very pleased with the service I have received. May 31, 2016
Rated 5 out of 5 by Safe & Happy Very pleased with Fidelity. Your account reps have listened to me and responded with very favorable service. May 31, 2016
Rated 5 out of 5 by ira very well done, great support, easy transition, good result May 30, 2016
Rated 5 out of 5 by Layout I also use Fidelity Active Trader Pro which I like very much except the account summary page in my regular Fidelity account is much better. Would it be possible to add or set-up this page in Fidelity Active Trader Pro? May 23, 2016
Rated 5 out of 5 by IRA Rollover Everything was handled nicely and loved the financial incentive to roll with Fidelity May 16, 2016
Rated 5 out of 5 by A good choice I switched from another investment company to Fidelity last year. I like the fact that they have a local office that I can go in and talk to an actual person when I have a question or concern. The customer service over the phone has also been very helpful and friendly. this was a good choice for me. May 16, 2016
Rated 5 out of 5 by Seemingly Secure and mostly reliable My representative helped me when we rolled my 401k to an IRA and did a good job. I like personal contact and unfortunately that is last and only time I've heard from him. He his collected his commission and that was it ! I only require a call every couple of months for a few minutes but without them I cannot rate your customer service as highly as I could. May 16, 2016
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