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 855 reviewers.
Rated 5 out of 5 by IRA Rollover The process was made easy with Fidelity's help. They were the managers of the 401K also. There was one phone call involved and a little data input. It was done in an expeditious manner and the funds were explained to me. I was able to get the login requirements completed and confirmed before I left the local office. May 9, 2016
Rated 5 out of 5 by Friendly, with reliable investments I have utalized several investment firms for my IRAs in the past, but have begun moving all of my accounts over to Fidelity because I find that Fidelity is the most comprehensive, informative, and trustworthy firm that I have delt with. The Fidelity website is heads above any of the other firms in terms of accessible information, retirement planning calculators, and other features. April 12, 2016
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 Easy Set Up and Navigation The rollover from my company 401K to a Fidelity IRA when I retired, was easy to set up and easy to withdraw if a withdrawal is needed. The Customer Service Rep that helped me set up the account was very knowledgeable and courteous making it a smooth and simple transition. October 26, 2016
Rated 5 out of 5 by Secure and confident Very satisfied with account from ease of site use to confidence in current funds. October 25, 2016
Rated 4 out of 5 by Secure the security on this site is great! No worries! I would definitely recommend it to my friends. October 25, 2016
Rated 4 out of 5 by Timing glitch in hindsight My Fidelity representative did a good job by pointing out that the limited options in my former employer's 401(k) plan, though managed through Fidelity, were OK but not particularly great options. The one thing I wrestled with at that time over rolling into a Traditional IRA was the extra protection against creditors 401(k) offers. My representative pointed out that our family umbrella policy provided more that adequate protection, so I initiated the rollover which went smoothly. A couple of months later, I opted to take a normal distribution from my IRAs. At that point I realized that the rollover had significantly reduced the percentage of my IRAs in which I had a basis. This resulted in a larger tax bill than if I had delayed the rollover to a later year. October 24, 2016
Rated 5 out of 5 by Secure and reliable Well satisfied with your company. Your staff is very efficient. October 11, 2016
Rated 2 out of 5 by My rollover experience Doing a rollover is a very complicated experience. I was assisted quite well with the whole process except where I was supposed to get the rebate for doing this rollover. Someone dropped the ball in making sure I got that. So I had to track it myself and backtrack to get this taken care of. October 10, 2016
Rated 4 out of 5 by Great Service and Website Great Service and Website! Great Service and Website! October 4, 2016
Rated 5 out of 5 by Excellent I find the opportunities and the prices EXCELLENT !! October 3, 2016
Rated 4 out of 5 by Modern and efficient It was an efficient process to rollover my account. The customer service reps were patient and answered several of my calls to properly prepare and educate myself before I did so, as well. October 3, 2016
Rated 5 out of 5 by Excellent fund choices! Great fund choices and customer service! Easy to pull up and view entire account ! October 3, 2016
Rated 5 out of 5 by Friendly and easy. When inquiring about my GM 401(k) account, I was advised that I had substantial after-tax contributions in my account. I was advised that I could roll them over to a Roth IRA if I also rolled-over the untaxed related earnings on all after-tax contributions. Therefore, I established a roll-over Roth IRA and a roll-over (tax-deferred) roll-over IRA. It was easy and quick with Fidelity. October 2, 2016
Rated 5 out of 5 by Easy to work with I rolled $ from my work 401K, which had limited choices for investment, into a rollover, where I direct the investments. This is a meaningful capability for me. October 2, 2016
Rated 3 out of 5 by Secure and reliable but frustrating too. I am investment illiterate and while I understand no customer service agent can recommend a particular action but I need all the guidance I can get. I am not at all happy with the result so far. September 27, 2016
Rated 5 out of 5 by Easy to understand and manage My Fidelity IRA has been easy to understand and manage since the rollover. The features at the Fidelity site, the reporting, and the tools all contribute to a clear view and understanding of the account. The webinars help illuminate the features and options available to the investor. September 27, 2016
Rated 5 out of 5 by Really Happy with it I rolled over my 401K after changing jobs and am very happy with both the products available and the service. September 22, 2016
Rated 5 out of 5 by Reliable website I like the Fidelity website as well as the news items that pertain to my holdings September 21, 2016
Rated 4 out of 5 by Secure & reliable Have been very happy with people and investment opportunities with Fidelity. September 21, 2016
Rated 5 out of 5 by Secure and reliable Great help with the process of rollover of my IRA and also with the investment!! September 21, 2016
Rated 5 out of 5 by Rollover IRA The best thing about Fidelity is their customer service. September 17, 2016
Rated 5 out of 5 by Secure and reliable I like the personalized service and fast responses to my questions. Thank you. September 14, 2016
Rated 2 out of 5 by myword I just find it difficul to maneuver through the system September 14, 2016
Rated 5 out of 5 by Great I am very satisfied with the service i am given and the professional advise . Thank You September 14, 2016
Rated 5 out of 5 by Anyone can do it The wife and I had 403b accounts with Fidelity for 35 years. At retirement, we rolled to the Fidelity Rollover IRA. We're very happy that we did. We can manage our investments with ease. We've configured automatic deposits of dividends to our checking account. We can fund retirement without making a career of it. Love it! September 13, 2016
Rated 4 out of 5 by grow retirement I appreciate the easy way to contact and knowledge of your customer service September 13, 2016
Rated 5 out of 5 by Secure and very reliable Really value their customers and focus on keeping them haapy September 9, 2016
Rated 5 out of 5 by easy The staff answers the phone and is very efficient at answering questions and transferring funds . They are very knowledgeable. September 8, 2016
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