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 895 reviewers.
Rated 5 out of 5 by Great Employees Everyone that I've Worked with at Fidelity has been great to work with and very helpful! August 15, 2016
Rated 5 out of 5 by Easy to USe Access to trade, review the status of, perform research for my IRA is exceptional. The trading pages are easy to use and trade execution is extremely fast. August 15, 2016
Rated 5 out of 5 by best service Whenever I have needed any help your representatives have been there for me. they have walked me through every step. could not be more pleased. August 15, 2016
Rated 5 out of 5 by My opinion I am not computer savy, so I am not too impressed with the web site. However, the service is excellent when I call or chat on line. August 15, 2016
Rated 5 out of 5 by owner The location for me is close. Any question I have is answered quickly. I need to spend more time using your resources. So far this is my problem. The quarterly updates have been helpful. If I miss one it would be helpful if I could get the data either e-mailed or mailed to me. What should I do to receive? August 15, 2016
Rated 4 out of 5 by Simple 401K Rollover I called a representative prior to rolling over my 401K into an IRA with Fidelity and as always got friendly professional service. The rollover itself was simply a matter of filling out the on-line forms and submitting them. After the rollover account was opened I asked about their managed accounts and did get a little bit of sales pressure to use them but opted to go it alone for the time being. Maybe in the future I'll try a more interactively managed account or even the robo-account if and when it becomes available? August 9, 2016
Rated 4 out of 5 by very easy to use I started using the Fidelity website and Active Trader Pro to manage my investment including my IRA(s). Very easy to use and understand. Very reliable. Recommend it for sure. August 9, 2016
Rated 3 out of 5 by ira so far so good - what more can i say - it all depends on my investments and market August 9, 2016
Rated 5 out of 5 by ALWAYS EXCELLENT I have been a Fidelity customer since the mid 1980's. Without exception every time I have asked for help I have been assisted by knowledgeable, courteous people. I have done roll over accounts seamlessly and without any trouble. August 5, 2016
Rated 4 out of 5 by Rollover IRA Experience Overall I had a positive experience. As someone who is relatively new to investing the choices are a bit overwhelming. I downgraded the experience because I didn't reduce the choices by as much as hoped using the filters. Nonetheless it was as good or better than what I'd expect from another provider. August 1, 2016
Rated 5 out of 5 by owner I like working with Fidelity. Everything is easy to find and review. August 1, 2016
Rated 5 out of 5 by Rollover IRA I am very pleased about my transition to Fidelity and what it has to offer. August 1, 2016
Rated 5 out of 5 by Easy to use tools The Fidelity Rollover IRA was easy to set up and offer great research tools. The app is also streamlined and user friendly. August 1, 2016
Rated 1 out of 5 by check book We set up the dividends to be deposited into the check book and this has not been done for 2 months in a row. July 30, 2016
Rated 5 out of 5 by The best Things worked out very well for me. If any of my friends are looking to invest you are the one I would recommend. July 29, 2016
Rated 5 out of 5 by secure I am very happy with the Fidelity service. I have great confidence in your professional dignity. I also like the fact that your office is very close to my home. July 26, 2016
Rated 5 out of 5 by Very helpful Very knowledgeable and helpful. Staff was friendly. Didn't make me feel stupid for not understanding everything July 25, 2016
Rated 4 out of 5 by New rollover IRA I am pleased with the advice and assistance I received for my rollover IRA account. I opened my IRA account 5 months ago and am pleased with my options and service. I decided to open a Fidelity Rollover IRA because of my satisfaction with my Fidelity Brokerage Account. July 25, 2016
Rated 5 out of 5 by convenient and simple I rolled an employer 401k over by calling fidelity and then while on the phone we called the previous financial institution and the two reps figured all of the logistics out. All I had to do was provide various identifying information. Very easy and simple. July 25, 2016
Rated 5 out of 5 by N's IRA Complete comprehensiveness for investing in stocks, mutuals and bonds! July 25, 2016
Rated 5 out of 5 by Fast and convenient Thank you for the valuable advice on my rollover. This past year and a half has been hectic sometimes. With your help this task was much easier. Thank you very much. July 19, 2016
Rated 5 out of 5 by My IRA rollover Fidelity staff members are courteous and make me feel very comfortable the way they have been helping me with my accounts, whenever I ask a question they are right there with the answers or options I have with the choices I have made since my retirement. I have participated in some of the training session and webinars and they have been terrific. July 19, 2016
Rated 5 out of 5 by I am happy with my decisions When my company got acquired and I was faced with rolling my money over to another institution, I was unsure of what to do. I liked the service at Fidelity and after talking with the other institution about rolling my money into their 401K, I was not impressed. They were very basic and uncaring. I chose instead to roll my money into a Fidelity IRA. Not knowing what to do with it, I let it sit a while, then called Fidelity for advice. I was given options by some of the most patient and mild mannered people. I really appreciated their concern. I got the education I needed to make an informed decision about my money and feel good about it. Kudos!! July 19, 2016
Rated 5 out of 5 by Effective and Efficient I worked with a fidelity representative before I retired to work out a plan to convert my retirement portfolio to a rollover IRA. The representative was very knowledgable understanding of how to maximize my income in retirement while conserving my assets for estate planning purposes. July 18, 2016
Rated 5 out of 5 by Easy and convenient to manage Excellent services from Fidelity overall. I was allowed a set of free trades in the first year which made the deployment of my IRA assets easy. The web view of the account is very easy to read. July 18, 2016
Rated 5 out of 5 by Secure and reliable I have had problems with this account, It has always been my fault for forgetting to do what I need to do. July 18, 2016
Rated 5 out of 5 by Secure and reliable Fidelity does a great job managing my IRA account, and I have easy access to my funds. July 18, 2016
Rated 5 out of 5 by Convenient, easy to access and many products to choose from. I find my rollover IRA very easy to use as a hands-off investor who wishes to "invest and forget" for the long term. Also, I like the many types of products I can choose to invest in, as well as the support I receive from my account representative. July 18, 2016
Rated 5 out of 5 by Rollover IRA This is a great option, you get a lot of flexibility and it couldn't have been easier to make trades. The customer service person I spoke with was very polite and helpful and he was able to teach me how to trade in just a few minutes. This is exactly what I was looking for. July 15, 2016
Rated 3 out of 5 by Unclear on this survey Not sure why this showed up for answering. All I know is what Fidelity tells/shows me per portfolio reports. Looks good but still just "pie in the sky" at this juncture of my life. July 12, 2016
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