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.


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


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


*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 818 reviewers.
Rated 5 out of 5 by Trade with confidence You have "Piece of Mind" when you trade here , Fidelity has the resources to research your choice, to help you decide how to move forward to meet your goal January 29, 2014
Rated 5 out of 5 by Secure and reliable I originally began with my company 401K program. When retiring from my company, Fidelity made the transition easy to move over to IRA Account and was able to keep two of my investments. Fidelity understood my needs and not a high risk investor. Great Job! January 29, 2014
Rated 5 out of 5 by Rollover The process was handled in an excellent manner by yor personnel. January 29, 2014
Rated 5 out of 5 by excellent service I have had an excellent experience with Fidelity. Thank you for all you do. January 29, 2014
Rated 5 out of 5 by rollover ira I like the rollover ira just fine. It does exactly what I want it to do. January 29, 2014
Rated 4 out of 5 by Not what I expected... I would have preferred to receive some proactive investment advice. I always get referred to the website, which I find to be overwhelming. January 29, 2014
Rated 5 out of 5 by trustworthy An IRA at Fidelity is an excellent vehicle at a low cost. The ease of use and resources provided by Fid. make investing smooth and reliable. Fid is always ready to answer questions and ofen provides information before the need for it occurs to me. I spent over 40 years working on Wall St. and when I retired Fidelity was my first choice. Fidelity was considered the number one client of every firm I worked for. January 29, 2014
Rated 5 out of 5 by Reliable Service Every thing I do at the website and phone service is quick and easy to use January 29, 2014
Rated 5 out of 5 by Glad I did it. I'm glad I finally rolled my old 401K over to the Fidelity IRA. I have more direct control of the funds, and many more investment choices. The Fidelity research is very helpful. Fees are very reasonable. January 29, 2014
Rated 5 out of 5 by JimmysTake Local representatives helpful and accessible. Have received good advice regarding selection of funds and balancing the portfolio. The systematic withdrawal plan that automatically sets up the MRD is very convenient. January 29, 2014
Rated 5 out of 5 by Fx Fidelity is our life line. 30% of our money comes from our Fidelity account and the rest social security. January 29, 2014
Rated 2 out of 5 by No action what so ever I don't seem to get any service from of for my Rollover IRA. January 29, 2014
Rated 4 out of 5 by Reliable So far, I have enjoyed the level of attention to my investment needs that I expected. Now, if the market would only cooperate and increase in value it would be a home run. January 29, 2014
Rated 4 out of 5 by Rollover account review The convenience of working with the website for changes and the broad selection, of investment options make for a great tool. Customer assistance in the distribution process is valued by me. January 29, 2014
Rated 4 out of 5 by Multiple Roll-overs I am very pleased with the website, which is the only way I've handled the Fidelty account. I can do changes, trades, and planning with very good supportive and secure web design and options. The improvement that I really would like is to get an annual statement of the account, rather than the monthly statements. An annual statement is available for my employer's 401k account and is preferable to the monthly statement. Regards, Etha McDowell January 29, 2014
Rated 5 out of 5 by Secure I am very pleased with Fidelity investment and customer support January 29, 2014
Rated 5 out of 5 by Building Financial Confidence I did as much research as I could on my former employees fund offerings from their 401k plan. I listened to the older folks their and followed their advice for 15+ years... save, save, save. In parallel I did my own investing with an account I opened at Fidelity, so when I eventually moved to another firm to advance my career, I could not wait to roll over my 401k into a traditional IRA at Fidelity with all they have to offer. The advisor sat me down and worked with me in such a professional way, that to this day, 6 years later I still have a smile on my face. He helped me put together the most diversified portfolio to weather all storms... and it has. Do yourself a favour, walk into a Fidelity office or call them... check out their investment tools online... these guys inspire you to reach your financial goals. January 24, 2014
Rated 1 out of 5 by Tricky and vague I cant navigate this web site easily trying to reestablish my beneficiaries which I feel I should not have to do since I am going from a 401k to an ira within fidelity. January 23, 2014
Rated 2 out of 5 by Rollover Ira I had a rollover request for which i called Fidelity to find out what needs to be done. Initially i got the feel that they were not very helpful but i got over it and submitted my paperwork anyways. Its been 45 + days when i did not see that happen i called on 01-18-14 to be told that i have to resubmit the paperwork. Its time to look into some other company . If a company does not take my money & business seriously its time for me to look for somebody else. January 19, 2014
Rated 5 out of 5 by Not surprised Less than a month ago I retired (airline career) and contacted Fidelity about three months ago. They were very informative at that time and directed me to contact them when I actually retired. I have now reconnected this week over the phone and to speak with someone in person at a local Fidelity office. The two persons helping me were extremely informative and supportive, giving me choices with clear explanation and reassurance about options and allocations. I chose a rollover IRA and I will have future help from Fidelity regarding a buyout payment from my former employer. Again, I have full confidence that any and all questions have been and will be answered with future choices. Thanks Fidelity. January 10, 2014
Rated 5 out of 5 by costomer service representative I recently rolled over my 401k into a IRA and the costumer service representative i dealt with was Michael K. he was very friendly and positive and helped me with everything from start to finish i was completely satisfied with his service and would recommend him to anybody in need of services through fidelity thank you for all of you help Mike. January 10, 2014
Rated 5 out of 5 by Excellent service & assistance... I have had accounts with Fidelity on/off for the last 25 years. They have come a long way from demanding a notarized statement just to get MY funds released. It has been wonderful to see the increased level of knowledge and assistance over the years I was very impressed at the ease of transferring my 401(k) into a Traditional IRA this last year. I would recommend Fidelity to anyone... December 27, 2013
Rated 4 out of 5 by Information Was told I must take RMD since I am 73 yrs old. Not if you are still employeed. Bad info. Wanted to start and fund a Roth IRA for wife who is not working. Was told I could not do this even after quoting the IRS sheet saying it was legal. While they have been helpful you can not take all their advice as gospel December 9, 2013
Rated 1 out of 5 by Your Customer Service SUCKS! Not only is your web-site a disaster to find information, your phone service is busy. I am re-considering investing with a different firm, since you seem to have enough business and can't help! November 20, 2013
Rated 5 out of 5 by Fidelity Accounts I have three different accounts (Rollover IRA, ROTH IRA and Tryst) with Fidelity. I have been with Fidelity over 20 years and have been extremely satisfied. When I Have a question, I get it clearly answered in one telephone call. They have been extremely courteous and helpful which is very unusual. November 3, 2013
Rated 5 out of 5 by Good investment choices and low fees My roll over IRA has so many possible investment choices. The fees are also low, usually less than 1%. With an investment advisor we typically paid 4% in fees. I prefer keeping the extra money that I earned. I changed jobs and also have Fidelity for my 401k. The 401k choices for funds are much more limited. October 22, 2013
Rated 2 out of 5 by Transposed my name Been waiting a while to roll over my 401k due to the fact it takes a bunch of phone calls etc. No different. Website transposed my name. Now have to go through name change on account etc. Actually more inconvenient than before. :{ October 3, 2013
Rated 5 out of 5 by Create Roll Over IRA Very straight forward to create Traditional IRA including beneficiary designation. Took about 20 minutes. September 3, 2013
Rated 5 out of 5 by Excellent Service I have received excellent on-on-one, telephone and Web site service during the 8 years I've been with Fidelity. There are excellent reviews and various status reports that are very helpful. I do everything on line including statements without any problems. Many thanks Fidelity. August 15, 2013
Rated 1 out of 5 by Horribly stuck in the 80s Tried to transfer from a Fidelity 401(k) to a Fidelity IRA. First: You cannot do this on your own; you must call and request a form that they will mail or charge you $20 for express mail. Never heard of Adobe Acrobat? Second, they will offer to use FAX, which personally I haven't had access to since the 90s. Seriously. Third, if consent from a spouse is needed, you need that signed and a notary public to stamp. Yes, it's officially not 2013 anymore, we've regressed that far. Fourth, they will put a short-term expiry on the distribution request. So now try and get spouse to sign in front of a notary in a short window and do that with 2 kids and both parents working and still waiting for form to arrive eats into that time. August 12, 2013
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