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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.

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

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))

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

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

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 709 reviewers.
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 5 out of 5 by secure and reliable The customer service is exceptional. From the brick and mortar the representatives are informed and courteous. The representatives that are on the telephone are friendly and fast as well. February 2, 2016
Rated 5 out of 5 by secure and informative really enjoying participating in all the webinars that are being offered. .they are really helpful in forming strategies for investing...both long and short term January 31, 2016
Rated 5 out of 5 by Fidelity Rollover IRA easy process The customer service rep gave me simple directions to follow. Any questions or concerns were addressed and I was very satisfied with Fidelity. January 25, 2016
Rated 5 out of 5 by Secure, reliable This is my first time using an investment company, It looks like Fidelity was a great choice, I have been using my Retirement account without. problems. I have a lot to learn and I love the tools that are provided for the learning process. So far, so good. January 25, 2016
Rated 5 out of 5 by Good Excellent and very satisfactory. What more can I say but that I am very pleased. January 24, 2016
Rated 5 out of 5 by convenient convenient. good customer service. helpful staff. excellent education materials for everyone. lots of good funds and etfs to choose from relevant to invesment personality. January 24, 2016
Rated 2 out of 5 by More Information Please The information online isn't much help. I must go into a local Fidelity store to get answers. I can't just stop in there without an appointment. January 24, 2016
Rated 3 out of 5 by average service, high fees choices of available funds A- service B+ website and support B fee C overall value C January 24, 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 Easy to use any questions I had were answered by customer service staff January 17, 2016
Rated 5 out of 5 by Can't beat this service Fidelity continues to provide the service we want and need in both of our IRA's January 11, 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 Very Helpful The people at Fidelity have been extremely helpful and answered all my questions December 28, 2015
Rated 5 out of 5 by secure and reliable always helps when I need it and they are easy to get hold of. December 28, 2015
Rated 1 out of 5 by Poor I have never had such bad service. I cannot believe how I have been treated as a customer. I pass the word to others. I got no assistance. My IRA is still sitting in cash. I am looking to leave Fedelity. December 17, 2015
Rated 5 out of 5 by owner i am happy with my service. Customer service has been very helpful. December 15, 2015
Rated 5 out of 5 by awesome Awesome is the way i can describe fidelity, amazing customer service December 14, 2015
Rated 5 out of 5 by Discussion about RMD As a novice, I have received appropriate timelines information from the customer relations of the Fidelity. December 14, 2015
Rated 4 out of 5 by Local Fidelity Representative a big help... Our local Fidelity Rep helped us with the rollover to IRA with analysis of my plan for the rollover, pointing out some changes to make better and recommending additional investments, which I did. The Fidelity web site is loaded with information and insight. Depending on how much you want to dig down into the data, it is helpful for making changes or staying the course. I am pleased with the outcome overall of my IRA rollover with Fidelity. December 6, 2015
Rated 1 out of 5 by Nothing Works I tried setting up EFT using your webpage. It did not work. I have spent 3 hours on the phone last week and 1 hour on the phone this week, and no one was able to help me out. I was told to using the secure message system to upload my EFT form. However, I am unable to upload files. The file I am uploading is only 700kb and should not be a size issue. I cannot use the account if I can not transfer funds into and out of it. I cannot get it working via the web page, and I can not get anyone on the phone to help me out, and the messaging system is not working. There are no offices around my area. What am I suppose to do? December 1, 2015
Rated 5 out of 5 by IRA Rollover great for short term cash. IRA Rollover great for short term cash when buying new home & waiting for escrow to close on old home. December 1, 2015
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More information

$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.

ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their NAV, and are not individually redeemed from the fund.

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.
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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Don't have an existing Fidelity Rollover IRA?

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