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.

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 4.4 out of 5 by 903 reviewers.
Rated 5 out of 5 by very good went very will. Excellemt customer service.very good December 10, 2016
Rated 5 out of 5 by Well laid out and informative I am new to this (to date my first IRA) however I found the Fidelity representatives always helpful with clear and concise answers to my questions. The research and information resources contained within the site are very helpful. December 8, 2016
Rated 4 out of 5 by Very helpful Recently went from a large company to a start up with no 401K plan. Was able to set up this IRA easily with a Fidelity rep who was very informative and helpful December 6, 2016
Rated 5 out of 5 by Excellent Fidelity makes everything smooth for me. The convenience and customer service are excellent. I would definitely recommend them and have to others in the past. November 30, 2016
Rated 4 out of 5 by Good I have received great customer service and support. November 30, 2016
Rated 5 out of 5 by dog no problems. discussed all aspects, my rep is very thorough and knowledgeable. very easy to talk with and explains all very clearly and concisely November 28, 2016
Rated 5 out of 5 by Rollover service Our advisor made it very simple and was a pleasure to work with. November 28, 2016
Rated 4 out of 5 by Good Communication I appreciate the convenience and efficiency of trading with Fidelity Investments. I'm also pleasure with Fidelity's Management Team and the service I have received so far. November 28, 2016
Rated 5 out of 5 by Great for keeping tabs on my retirement. Very easy to use, even for a novice like me. Which it was faster and more reliable but that probably has more to do with my cell phone. November 28, 2016
Rated 5 out of 5 by Great Service Great product. Even better service. They've never disappointed me. November 25, 2016
Rated 5 out of 5 by informative Lots of research information available onsite to help me make a decision November 23, 2016
Rated 5 out of 5 by Personal Customer Service, Many Choices My personal account representative got to know me and my situation and guided me through the retirement process. He listened to my preferences and presented appropriate options. November 23, 2016
Rated 5 out of 5 by Fits the needs of the individual investor The information is well laid out and very helpful. Navigation is logical. Research tools are excellent. November 22, 2016
Rated 4 out of 5 by Rollover Compared to previous management companies, Fidelity is more flexible, provides more options, and insights in future opportunities. November 22, 2016
Rated 5 out of 5 by Easy to Manage I've always enjoyed working with Fidelity with all of my accounts. They are easy to manage and help is available anytime when needed. November 18, 2016
Rated 5 out of 5 by rollover IRA easy to do. lots of help. Thanks! no more to say. I have no more input and don't want to say anymore. November 8, 2016
Rated 5 out of 5 by Convenient and versatile The Fidelity IRA brings convenience and versatility to retirement investing, allowing me to invest in a wide variety of funds November 8, 2016
Rated 5 out of 5 by Sold Needed money quickly and this could not have been any easier November 7, 2016
Rated 5 out of 5 by Secure and reliable Easy rollover proccess and great customer service is provided by Fidelity. Great investment choices. November 2, 2016
Rated 5 out of 5 by secure and reliable I have always had courteous service...friendly and helpful...I was given good advice which included a complete explanation of process....good guidance when going into retirement, patient explanations in layman terms....so key for me because my knowledge base is rather limited, so it was so helpful to have procedures explained simply and completely. November 2, 2016
Rated 5 out of 5 by reassurance consistent responsiveness to questions even if they are of a minor nature November 1, 2016
Rated 5 out of 5 by Reassuring Joe was very helpful and went out of his way to help us with our transfers. He is very knowledgeable and helped us get into the products that worked best for our future goals October 29, 2016
Rated 5 out of 5 by Easy Set Up and Navigation The rollover from my company 401K to a Fidelity IRA when I retired, was easy to set up and easy to withdraw if a withdrawal is needed. The Customer Service Rep that helped me set up the account was very knowledgeable and courteous making it a smooth and simple transition. October 26, 2016
Rated 5 out of 5 by Secure and confident Very satisfied with account from ease of site use to confidence in current funds. October 25, 2016
Rated 4 out of 5 by Secure the security on this site is great! No worries! I would definitely recommend it to my friends. October 25, 2016
Rated 4 out of 5 by Timing glitch in hindsight My Fidelity representative did a good job by pointing out that the limited options in my former employer's 401(k) plan, though managed through Fidelity, were OK but not particularly great options. The one thing I wrestled with at that time over rolling into a Traditional IRA was the extra protection against creditors 401(k) offers. My representative pointed out that our family umbrella policy provided more that adequate protection, so I initiated the rollover which went smoothly. A couple of months later, I opted to take a normal distribution from my IRAs. At that point I realized that the rollover had significantly reduced the percentage of my IRAs in which I had a basis. This resulted in a larger tax bill than if I had delayed the rollover to a later year. October 24, 2016
Rated 5 out of 5 by Secure and reliable Well satisfied with your company. Your staff is very efficient. October 11, 2016
Rated 2 out of 5 by My rollover experience Doing a rollover is a very complicated experience. I was assisted quite well with the whole process except where I was supposed to get the rebate for doing this rollover. Someone dropped the ball in making sure I got that. So I had to track it myself and backtrack to get this taken care of. October 10, 2016
Rated 4 out of 5 by Great Service and Website Great Service and Website! Great Service and Website! October 4, 2016
Rated 5 out of 5 by Excellent I find the opportunities and the prices EXCELLENT !! October 3, 2016
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