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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

Get started now


Already have a Fidelity IRA or previously started a rollover?
Let's roll over your old workplace planLog In Required

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 748 reviewers.
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 Rollover IRA from Profit Sharing Process was pretty straightforward and simple once we had contacted Vito our Fidelity representative. He set up the Rollover IRA account and outlined the process and defined the address and who the check was to be made out to. The rollover went off without a hitch without me ever taking physical possession of the check which could potentially have resulted in a withholding and even triggerred a taxable event. January 4, 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 Flexible and Dependable Fidelity provides a wealth of research information on prospective investments that have enabled me to make intelligent choices. The Rollover IRA has enabled me to expand my investment choices beyond the limited funds available in my employers 401k. May 31, 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 Safe and easy The rollover was easy. The fees are great. The education options are great and the support staff is wonderful. July 7, 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 4 out of 5 by secure I have invested in Fidelity mutual funds and other mutual funds for a number of years and believe Fidelity provides an acceptable array of options with acceptable returns. May 1, 2016
Rated 5 out of 5 by No effort on my part My son set this up for me and he monitors it. I just look at it from time to time. April 26, 2016
Rated 5 out of 5 by easy to use A very good account with no hassles, it keeps me informed and up todate of what is availiable. April 25, 2016
Rated 5 out of 5 by Easy It was easy to get this years distribution. I just made a phone call. Thank you. April 21, 2016
Rated 5 out of 5 by Reliable The people is what I have found makes Fidelity Strong. April 18, 2016
Rated 4 out of 5 by good response and very professional good reliable folks to use and deal with to do business April 17, 2016
Rated 4 out of 5 by Some data not up to date The search categories seem to broad. The mutual fund data is sometimes more than a quarter out of date. April 12, 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 4 out of 5 by Trustworthy with excellent resources The Fidelity team are customer focused with an array of outstanding on line resources to assist with planning your objectives. April 12, 2016
Rated 4 out of 5 by Easy to use Lots of helpful content across the website. Friendly and knowledgable staff when calling with questions. April 11, 2016
Rated 5 out of 5 by Very Knowledgeable employees My husband have been with Fidelity from 2002 and they have been very professional doing business with April 11, 2016
Rated 5 out of 5 by Dependable I have had my Fidelity accounts since 86, both IRA's and taxable Brokerage. They have always been accurate and up to date. Their call in support has been accurate and knowledgeable. I have always felt confident with their handling of my accounts. April 11, 2016
Rated 5 out of 5 by Easy and Secure Rolling my 401-k plan into this IRA was easy. The customer service provided by Fidelity was great. April 11, 2016
Rated 5 out of 5 by Easy to roll over Fidelity made it easy to roll over funds from two previous employers and went above and beyond the call to assist me. The site is very easy to use. April 6, 2016
Rated 5 out of 5 by easy user friendly, easy process, customer service are good. April 6, 2016
Rated 5 out of 5 by MRDs Love that you have a convienent link to what MRD is required and that I can go back to previous years. It was great when I did our taxes. April 6, 2016
Rated 2 out of 5 by Fidelity match Your staff needs training. I signed up after seeing "matching" promo online. I discussed the promo with 3-4 Fidelity staff members and when it was time to get the match funds, I was told the offer had expired. Even though, the offer was still on the Fidelity website. When I questioned it, I was told I was not eligible. My eligibility should have been verified by Fidelity when I funded the account. I specifically asked each person I talked to about the promo. It was not very professional. April 5, 2016
Rated 5 out of 5 by EASILY MANAGEABLE I love all of the investment options that the rollover provides. The website is easily navigable and very easy to manage. April 4, 2016
Rated 5 out of 5 by Review of RO IRa The representative in the office was very helpful and respected my decisions. He was not the person I was supposed to see, who got ill and whom I was uneasy about. It worked out better this way! April 4, 2016
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More information

1. For a Rollover IRA, full deductibility of a contribution for 2015 is available to active participants whose 2015 Modified Adjusted Gross Income (MAGI) is $98,000 or less (joint) and $61,000 or less (single); partial deductibility for MAGI up to $118,000 (joint) and $71,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $183,000 for 2015; partial deductibility for MAGI up to $193,000. For 2016 full deductibility of a contribution is available to active participants whose 2016 Modified Adjusted Gross Income (MAGI) is $98,000 or less (joint) and $61,000 or less (single); partial deductibility for MAGI up to $118,000 (joint) and $71,000 (single). In addition, full deductibility of a contribution is available for working or nonworking spouses who are not covered by an employer-sponsored plan whose MAGI is less than $184,000 for 2016; partial deductibility for MAGI up to $194,000.
$7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (of between $0.01 to $0.03 per $1000 of principal). Other conditions may apply. See Fidelity.com/commissions for details.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.
Guidance provided is educational.
Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
The initial customer ratings and reviews for this product (those dated before 6/21/2012) were provided to Fidelity through an email solicitation for feedback on the product. All ratings and reviews are provided to Fidelity on a voluntary basis and are screened in accordance with the guidelines set forth in our Customer Ratings and Reviews Terms of Use. For additional information on which ratings and reviews may be posted, please refer to our Customer Ratings and Reviews Terms of Use. Featured reviews have been selected based on subjective criteria and have been reviewed by Fidelity Investments. The average rating is determined by calculating the mathematical average of all ratings that are approved for posting per the Customer Ratings and Reviews Terms of Use, and does not include any ratings that did not meet the guidelines and were therefore not posted). Ratings and reviews are added continuously to the website (after a delay for screening against guidelines), and average ratings are updated dynamically as reviews are added or removed.
The ratings and experiences of customers may not be representative of the experiences of all customers or investors and is not indicative of future success. The accuracy of information included in the customer ratings and reviews cannot be guaranteed by Fidelity Investments. Customers who post ratings may be responsible for disclosing whether they have a financial interest or conflict in submitting a rating and review.
Please contact a Fidelity representative if you have additional questions or concerns about the ratings and reviews posted here.
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Move Your Money to Fidelity

Start moving funds into your new account with this quick checklist. You may also call a rollover specialist at 800-343-3548 for help at any point in the process.

  • Request a direct rollover from your old 401(k) plan. A rollover specialist can help you contact your former employer's plan administrator, or you can contact the administrator on your own.
  • Complete any forms required by the plan administrator.
  • Instruct them to make the check payable to: "Fidelity Management Trust Company (or FMTC), FBO: [your name]/[Fidelity IRA account number].
  • Mail the check to one of the addresses shown here, bring it into an Investor Center, or scan and deposit it using Fidelity Mobile® on an iPhone®, iPad®, or Android™ device.

    Fidelity will notify you by email and by U.S. mail when your funds have arrived.

    Regular Mail:
    Fidelity Investments
    ATTN: Direct Rollovers
    PO Box 770001
    Cincinnati, OH 45277-0037

    Overnight Mail:
    Fidelity Investments
    ATTN: Direct Rollovers
    100 Crosby Parkway KC1H
    Covington, KY 41015-0037

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Already have a Fidelity Rollover IRA or previously started a rollover?