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 820 reviewers.
Rated 5 out of 5 by IRA Rollover Review Fidelity made the rollover from my previous employer (also with Fidelity) a breeze. The phone service was excellent and the ease of use for web-based investment is great. July 5, 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 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 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 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 2 out of 5 by Reliable There was a long wait time and the investment specialist I spoke with left me on hold after we've discussed that I'm investing in a Fidelity product. Another specialist picked up the phone without knowing what was discussed previously with the other person, so he has to read the notes. That was unprofessional and time wasted!!!! August 24, 2016
Rated 5 out of 5 by Great investment Fidelity is easy to use and has great tips and advice available on the website. August 23, 2016
Rated 5 out of 5 by Convenient and performance Customer service could not have been better. Very easy and convenient to set up. Having been with Fidelity for many years I have great faith in the value of your service. August 22, 2016
Rated 5 out of 5 by Besides secure and reliable Convenient and user friendly. Just what I need. I will always use Fidelity in the future unless I land a job at one of your competitors and are required to transfer account. August 22, 2016
Rated 5 out of 5 by Roll over Very pleased with the customer service and the quality of service provided. August 22, 2016
Rated 5 out of 5 by IRA I am so happy with your customer service. Employees are some of the best August 22, 2016
Rated 5 out of 5 by Peace of mind Gives us everything we need to make an informed decision! August 22, 2016
Rated 5 out of 5 by Awesome experience I have always enjoyed dealing with anyone working with Fidelity. Their system is good to work with. A lot of information though. August 17, 2016
Rated 5 out of 5 by Professional and Client Friendly I have used Fidelity for my IRA since 1982been a. I now am located near a local office (Vero Beach FL) and find that to be a significant plus as I do get face to face professional care in addition to easy access to experts on the phone at any time. Fidelity has been an excellent service provider and as of earlier this year has been an account manager. August 16, 2016
Rated 5 out of 5 by Great Employees Everyone that I've Worked with at Fidelity has been great to work with and very helpful! August 15, 2016
Rated 5 out of 5 by Easy to USe Access to trade, review the status of, perform research for my IRA is exceptional. The trading pages are easy to use and trade execution is extremely fast. August 15, 2016
Rated 5 out of 5 by best service Whenever I have needed any help your representatives have been there for me. they have walked me through every step. could not be more pleased. August 15, 2016
Rated 5 out of 5 by My opinion I am not computer savy, so I am not too impressed with the web site. However, the service is excellent when I call or chat on line. August 15, 2016
Rated 5 out of 5 by owner The location for me is close. Any question I have is answered quickly. I need to spend more time using your resources. So far this is my problem. The quarterly updates have been helpful. If I miss one it would be helpful if I could get the data either e-mailed or mailed to me. What should I do to receive? August 15, 2016
Rated 4 out of 5 by Simple 401K Rollover I called a representative prior to rolling over my 401K into an IRA with Fidelity and as always got friendly professional service. The rollover itself was simply a matter of filling out the on-line forms and submitting them. After the rollover account was opened I asked about their managed accounts and did get a little bit of sales pressure to use them but opted to go it alone for the time being. Maybe in the future I'll try a more interactively managed account or even the robo-account if and when it becomes available? August 9, 2016
Rated 4 out of 5 by very easy to use I started using the Fidelity website and Active Trader Pro to manage my investment including my IRA(s). Very easy to use and understand. Very reliable. Recommend it for sure. August 9, 2016
Rated 3 out of 5 by ira so far so good - what more can i say - it all depends on my investments and market August 9, 2016
Rated 5 out of 5 by ALWAYS EXCELLENT I have been a Fidelity customer since the mid 1980's. Without exception every time I have asked for help I have been assisted by knowledgeable, courteous people. I have done roll over accounts seamlessly and without any trouble. August 5, 2016
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