Rollover IRA

With a Fidelity rollover IRA, you can keep adding 401(k)s and other former employer sponsored plans throughout your career.

Why choose a Fidelity rollover IRA?

  • One-on-one guidance and support when you need it
  • No account fees or minimums to open an account1
  • Help choosing from a wide range of investment options
  • A step-by-step process—either online or with guidance from one of our specialists

Have us help you

Key things to know

Why choose a rollover IRA?

If you have changed jobs, retired, or have money left in a former employer's workplace savings plan, you might want to move your investments into a single account.


There are no opening, closing, or annual fees for Fidelity's traditional, Roth, SEP, SIMPLE, and rollover IRAs.1


We offer a range of Fidelity and non-Fidelity funds, plus stocks, bonds, ETFs, and CDs. We are always available to help you choose.


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. Required minimum distributions (RMDs) starting at age 72.2

Support and guidance

Our research and tools can help you choose investments and create a long-term plan.

Frequently asked questions

If you have other questions, we may have the answer in our 401(k) rollover FAQs.

Options for your old 401(k)

Learn about rollovers and other choices for your old 401(k) when you retire or change jobs. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

How to move your old 401(k) into a rollover IRA

We can help you navigate through the rollover process with step-by-step instructions.

Ready to get started?

Need help?

Our rollover specialists can help with anything from understanding the options for your old 401(k) to guiding you through each step of the rollover process.