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 4.4 out of 5 by 905 reviewers.
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 IRA rollover is very easy. I got it done to rollover one 401k account with fidelity to my IRA account on phone for a few minutes. January 19, 2017
Rated 4 out of 5 by Client Enjoy the website. However, I do wish there was cash flow available of all securities on statements and on the system for entire individual equity portfolio including ETFs and closed end funds. Even if it was based on recent dividends paid would be helpful. It is very cumbersome to manually calculate. Thank you January 18, 2017
Rated 5 out of 5 by Quick and Easy Fidelity made it quick and easy to roll over my AT&T pension to an IRA. January 17, 2017
Rated 5 out of 5 by Relieable I have had great experiences with all my accounts at Fidelity and will continue to use them for all my retirement accounts. Both on the phone or in person at their office, the people are always very nice & helpful. January 17, 2017
Rated 5 out of 5 by Fast and Easy! Transferring a workplace 401k managed by Fidelity to a Rollover IRA could not have been easier. The staff at the 16th Street location in Denver was fantastic and very helpful. January 16, 2017
Rated 3 out of 5 by Confusing Try finding forms or close out info. Stop redesigning pages January 16, 2017
Rated 5 out of 5 by Winging a Review Thank you! I am very pleased with Fidelity's Rollover IRA. You very professionally and satisfactorily helped someone with no knowledge of how to handle this phase of life after retirement. January 16, 2017
Rated 5 out of 5 by Fidelity IRA It has always worked well for me, I currently have 3 Fidelity IRAs. It's easy to transfer funds from 401K to IRA and easy to invest from the IRA. January 16, 2017
Rated 5 out of 5 by Secure and reliable Truly appreciate Fidelty. They are reliable and dependable. January 16, 2017
Rated 1 out of 5 by No customer service I have tried numerous times to reach a representative. I am assured each time I call that I will get a callback. To date, nothing ! January 15, 2017
Rated 5 out of 5 by life savings When I lost my job of nearly twenty years I was devastated and nervously concerned about my 401k and what I should do. With my wife by my side we made a conference call to Fidelity. I was genuinely impressed with the advice and counsel of the Fidelity advisor and was more than happy to let him make any changes for me that would be to my best interest. I now have no concerns about the rollover of my 401k to an IRA. January 12, 2017
Rated 5 out of 5 by Moving Roth IRA This was a seamless transfer without any issues. The did all the work and i reaped all the benifets of consolidation of my accounts. Great job folks keep up the good work. January 11, 2017
Rated 5 out of 5 by Straight forward Very easy and straight forward in rolling over IRA account January 10, 2017
Rated 5 out of 5 by Rollover IRA I love dealing with Fidelity Investments they are very easy to understand. January 10, 2017
Rated 5 out of 5 by Convenient The process to roll my 401k into a Fidelity Rollover IRA was easy. I'm happy so far. January 9, 2017
Rated 5 out of 5 by Works well for me During peak times of the year like January, it's hard to get someone to speak with, even with the "Chat" feature. I trust Fidelity and there research information is superb January 9, 2017
Rated 4 out of 5 by 2016 turn over went well. No problems encountered.. Very pleased. January 9, 2017
Rated 5 out of 5 by functional takes care of the need to move from employer to self directed plan January 3, 2017
Rated 5 out of 5 by Professional and Knowledgable Indepth knowledge of investment products is astounding. Very pleased. January 3, 2017
Rated 2 out of 5 by Lackluster My account is pretty much stagnant as are most these days. I have been retired for some years and my account supplements my income. At this point I cannot take risks, and it seems anything safe pays next to nothing in returns. I don't know what the answer to this is, but it seems Fidelity doesn't either. January 2, 2017
Rated 5 out of 5 by As expected The account has performed exactly as expected. All trades go through in a timely fashion at a reasonable cost. December 21, 2016
Rated 4 out of 5 by secure and easily managed In order to further my diversification I left my old employer 401K with Fidelity , then converted it to an IRA to allow easier disbursement of funds when needed December 20, 2016
Rated 5 out of 5 by Service is excellent! We recently moved our retirement accounts to consolidate at Fidelity, and we couldn't be happier. December 20, 2016
Rated 5 out of 5 by Happy so far I don't have any complaints. All expectations are being met. December 20, 2016
Rated 5 out of 5 by Rollover IRA Love the increase value of my IRA, and availability of customer service. December 15, 2016
Rated 4 out of 5 by As expected Rollover proceeded without difficulty. Services offered in support though was a simple process. December 13, 2016
Rated 5 out of 5 by Excellent fund! Great IRA account! I enjoy the low trading fees and all the options. The after hour trading comes in handy after a busy day at work. This allows me to manage my funds and not my funds managing me. December 12, 2016
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