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.
Ready to roll over your old 401(k) to an IRA?
We'll guide you step-by-step—from opening your new IRA to moving and investing your money.
Already have a Fidelity Rollover IRA or previously started a rollover?
Let's roll over your old workplace plan
Learn more about the Fidelity Rollover IRA
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))
A Rollover IRA is a type of Traditional IRA with the same potential tax-deferred growth of savings.
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
|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.|
|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
|Account opening and annual maintenance fees||
*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†|
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. Learn more about rollovers and other 401(k) options.
For more information, you can also read our Fidelity Viewpoints® article on weighing the pros and cons of your options.