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 842 reviewers.
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 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
Rated 5 out of 5 by Great Resources Have no issues with online capabilities and reference resources; however, I had attended a bonds seminar in the Shrewsbury, NJ office over a month ago and thought I would have heard back about my wanting a meeting to discuss the bonds in my portfolio. September 7, 2016
Rated 3 out of 5 by Rollover (after) Even though my old 401K was with Fidelity I still found the rollover very easy to accomplish. Everything went very smoothly and in the time frame indicated. It is after the rollover I am having some difficulty. The resources available are not as easy to navigate. There are plenty of options but they don't flow well and I feel I have to dig deep to find what I want. I also have part of the rollover that didn't match any of the IRA funds just sitting in cash. I will have to call to figure out what assistance I can get to invest that portion. September 6, 2016
Rated 5 out of 5 by Readily available Easy to get and easy to use! All the information I need. September 6, 2016
Rated 5 out of 5 by Completely satified with investments made and customer service provide to me Very satisfied with my decision to choose Fidelity to manage my portfolio September 5, 2016
Rated 5 out of 5 by So Helpful & Knowledgeable I have had lots of experience with Fidelity representatives over the last 2 years & I have always been treated with dignity, courtesy, & respect. I always get a knowledgeable rep who helps and gives good, honest advice. I highly recommend using Fidelity as your retirement savings provider! September 2, 2016
Rated 4 out of 5 by Roll over 403B Helpful staff both on the phone and in the center, The rollover when smoothly . August 30, 2016
Rated 5 out of 5 by Rollover IRA My Rollover IRA has done well aince I set it up and retired and is convenient to have money in one place. I just turned 70 so will need to talk to a Fidelity representative in a couple of months as I moved out of state. August 29, 2016
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