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 4.4 out of 5 by 907 reviewers.
Rated 4 out of 5 by Employee Rollover IRA Rollover went smooth and quick ...no problems! Would recommend. May 15, 2014
Rated 5 out of 5 by Easy Easy to follow my investment plan. I can keep up with value by quickly scanning the portfoilo positions screen. May 15, 2014
Rated 5 out of 5 by Well laid out Navigation of the site is easy and the information is presented well. May 15, 2014
Rated 5 out of 5 by The reason I came here Fidelity made it easy to roll over. Though it is annoying to get flagged for updating the financial advisory all the time. May 15, 2014
Rated 5 out of 5 by 401K Rollover to IRA Great input from Fidelity personnel, easy to manage process and excellent self service capabilities. April 4, 2014
Rated 5 out of 5 by My IRA rollover It was easy, convenient, helpfully! And I am female with little money knowledge. Fedelity made my experience friendly, no regrets! The staff was very good at answering my questions. Love the company!! March 25, 2014
Rated 5 out of 5 by Clear great job at anticipating customer questions. answers were clear and free of financial guru jargon. March 12, 2014
Rated 4 out of 5 by Dividend & Capitol Gains Assignment Overall I am very satisfied with my Fidelity Rollover IRA account, however, I would like the availability to request any dividends & capitol gains to be reinvested, put in a money market account (or automatically direct deposit the funds in my bank account without having to request a withdrawal.) Plus, the availability to designate the percent of Federal Tax withholding that stays constant until I decide to change it. February 19, 2014
Rated 5 out of 5 by Definitely something to consider Rolling over a 401K to a Fidelity IRA was pretty easy. Anyone retiring or changing jobs should seriously consider it for 3 reasons: 1) more investment options - 100's instead of the few in a 401k, 2) better service - account managers and staffs compared with an outsourced service, and 3) much lower fees, especially with ETF's as an option. February 13, 2014
Rated 3 out of 5 by accountt rollover I have ytied and tried to get help with "investing" my rollover account sinceaccomplishing my rollover this summer. Got confusing information from each customer service personel. Will be taking my account elsewhere February 12, 2014
Rated 5 out of 5 by Prompt, Knowledgeable, Caring Any concerns or questions I've had have always been answered promptly. My account executive, Robin, has been and continues to ease any worries my wife and I have with decisions with our IRA account. February 7, 2014
Rated 5 out of 5 by Confident I feel my assets are in good hands. Fidelity people exude trust and confidence. I appreciate their candor, honesty, friendliness, and expertise. February 6, 2014
Rated 4 out of 5 by Does the job! Good execution, useful website. I have no complaints whatsoever. February 6, 2014
Rated 5 out of 5 by MRD The rep made it very easy for me to rely on Fidelity to keep distribution in a orderly and timely way. February 5, 2014
Rated 1 out of 5 by shooting blind Not a peep from anyone @ Fidelity about what I should do with my money. Even when I asked when in your office in Delaware County Ohio. As tho since I didn't have a six figure fund I was a leper. February 4, 2014
Rated 5 out of 5 by Rollover IRA I was a Delaware state employee and was enrolled in Fidelity in a deferred saving plan while I worked. When I retired in 2011, I placed a part of my savings in Fidelity's Rollover IRA. I have always been extremely satisfied when I called customer service. My questions were always answered in a clear, understandable, friendly way. I have been pleased with both your on-line services and your phone customer service February 4, 2014
Rated 5 out of 5 by Excellent Service and value Fidelity has some of the best pros in the Industry. Great online web service and really knowledgable advisors. So far, the best I have dealt with. February 4, 2014
Rated 4 out of 5 by Investing Opportuities The conversion went well and the product provided gives me the tools I need to do my investments are good for researching my investments. The origional support I got in reviewing my goals and getting a recommedation in setting up portfolio was very valueable being succesfull during 2014 in meeting my goals. Going forward I am very interested in goingto one of the Fidelity education centers to get some one on one training on better using your tools February 3, 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 Secure and reliable I had been with Fidelity for 401-K, just rolled it over, easy to do. February 3, 2014
Rated 5 out of 5 by Manager I like the system just the way it is....however sometimes I would like to be able for the system to suggest to me other stocks or products I should look at in the same category that may give me a better returns! February 3, 2014
Rated 5 out of 5 by Great account to have for retirement When I had to rollover my 401K, Fidelity helped with all the transactions and figuring out where to put my money within the account. February 3, 2014
Rated 5 out of 5 by More flexible than 401K was Especially liked the greater ability to control what funds I want to invest in. February 3, 2014
Rated 5 out of 5 by Flexibility and choices are awesome! I've had this account for quite a few years and I not only enjoy the flexibility I have but also the amount of choices in investment vehicles. When I need advice, I just make a call and have the option to go to a local Fidelity office! February 2, 2014
Rated 4 out of 5 by Secure and reliable I associated Fidelity with my first job in 1990.Ups & down, able to expand the investment as fianancially accomodeted. Now in retirement, looking for Generation-wealth building. February 2, 2014
Rated 5 out of 5 by Retired. I have been with other investment company ,finally I came to you and find out you are the best. Keep up the way you are doing. February 2, 2014
Rated 5 out of 5 by Good Experience Great Account Executive in office close to home. Easy to use web site. I rebalance asset allocations and so on myself online and appreciate being able to do that. February 2, 2014
Rated 4 out of 5 by Good Service I have had Rollover IRA for last couple of years. It is very convenient to Rollover. Many products are available, such as Mutual Funds, ETFs etc. Quite a few of them have no trading costs. Customer support is available 24x7. February 1, 2014
Rated 5 out of 5 by Very good Very good investment options at a fair price. Intuitive operation. Every other firm I've work with had requirements that didn't make sense. The only thing I would change is one part of the web site. I like the formate of the quarterly report you send of my investments but it does not include my outside investments even though I check both accounts. Every time I go back to the analyze page it defaults back to just the fidelity brokerage account. I can create a report myself but the formate is not the same as you create. February 1, 2014
Rated 1 out of 5 by Inconvenience Not good experience with the rollover IRA account. Please provide more infrormation about cash account trading restrictions. February 1, 2014
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