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 2 out of 5 by Both Website and Choice of Investments Disappointing The Fidelity website is among the least user-friendly and attractive that I have interacted with in the financial services industry. You don't want to spend time on it and getting information or making investment changes is just a pain. That combined with a limited choice of investments, makes me less than satisfied with my Fidelity account. September 1, 2015
Rated 4 out of 5 by IRA is easy to access The website design is better than the app. Some features did not appear or were awkward on the app, so I always used the website. The total gain/loss column is not explained anywhere, so it doesn't help with decisions about keeping money in a fund or moving it to another. Access to fund information is outstanding. You can get to it almost anywhere the fund appears. August 31, 2015
Rated 4 out of 5 by Satisfaction Very satisfied with help provided when needed .Easy to reach represenattive August 31, 2015
Rated 5 out of 5 by Overjoyed! Being totally illiterate when it comes to market investments, Fidelity has always provided me with confident representatives who make it a personnel commitment to invest my money wisely. Being retired now, this is very reassuring to know my finances are in good hands. Thank you so very much Fidelity. August 31, 2015
Rated 5 out of 5 by Awesome experience! It was very easy to roll my money over into this program. I'd like to get a bit more advice from Fidelity sometimes, even though when I call, the service is superb! Fidelity is definitely a leader in the service arena. August 18, 2015
Rated 5 out of 5 by Greg Vincent Fidelity, is doing a great job helping me with my rollover IRA August 17, 2015
Rated 5 out of 5 by My First IRA Rollover Fidelity Investments made it super easy to rollover my old 401k to an IRA. Being nervous, I contacted a Fidelity rep to assist me and it was a breeze. We talked about investments and mutual fuunds and where to place my funds. He also went thru the website with me to show me where to find training aides and how to perform research. I've been using Fidelty Investments for 8 months and compared to other online trading platfors, they are hands down THE BEST! August 17, 2015
Rated 5 out of 5 by Exceptional service, support and advice I have received exceptional service and support from all Fidelity representatives in rolling over one of my pensions to an IRA. Follow-up lifetime income reviews and recommendations were also outstanding. I would highly recommend Fidelity to anyone needing financial assistance and advice. August 15, 2015
Rated 4 out of 5 by IRA Good experience and is pleased with my interaction so far. August 13, 2015
Rated 3 out of 5 by TEACHER It was very easy to transfer a 401k to an IRA after a change in jobs. Fidelity representatives were very helpful and guided me through the process to have my funds start working for me immediately. August 11, 2015
Rated 5 out of 5 by Secure reliable Excellent service answers question would recommend services August 10, 2015
Rated 5 out of 5 by Excellent Customer Service Good service and businesses can be hard to find and trust in these times. However, Fidelity Investments has proven to me that they are a business that provides excellent customer service and that they can be trusted to handle your business as well. Every person that I've talked to at Fidelity Investments has been pleasant, patience, attentiveness, and very helpful. Their goal is to satisfy their customers. If they're not sure about something they will do their best to find out. This has been my experience. I hope that your experience was or will be just as satisfying as mine and that you will share it too for the sake of others looking, wanting, and hoping to find something good that works for them too. God bless! August 3, 2015
Rated 5 out of 5 by Excellent Customer Service My Fidelity account manager was excellent in helping get my 401K rolled over into an IRS. He has been with me every step of the way July 30, 2015
Rated 5 out of 5 by Outstanding Customer Support Fidelity Reps provided outstanding customer service and support during the rollover of my old 401K. They answered any questions and even checked my new employer 401K to ensure future transactions were possible. July 29, 2015
Rated 4 out of 5 by Secure and reliable It's very easy to navigate online, their technology is excellent! July 20, 2015
Rated 5 out of 5 by Fast and easy Fidelity Investment is a very good investment company for me; people are so helpful and service is very prompt. July 20, 2015
Rated 5 out of 5 by easy, informative, inexpensive I moved my rollover IRA and my Roth IRA to Fidelity for ease of access and reasonable fee structure. Fidelity is already the administrator for my employer's 401k plan. I got what I wanted PLUS participation in various online informational seminars have been very educational and thought provoking. Happy. Thanks. July 20, 2015
Rated 4 out of 5 by Its OK,nothing special Like Fidelity it is solid and doesn't promise too much.If you like to control your own funds but want a lot of options it is a very efficient platform. It would be better if they did not try so hard to avoid the transfer bonus they advertise on the Internet. Overall a good service. July 20, 2015
Rated 5 out of 5 by Helpful and knowledgeable I contacted Fidelity with specific goals in mind when I rolled over my 401k into an IRA. The representative I talked with explained everything to me and made suggestions for me to meet those goals. He was very helpful and the advice and direction he gave me at the time has proven to be what I needed. I am very satisfied with the action taken. July 20, 2015
Rated 1 out of 5 by Can't find anything Fidelity pushed you right into opening an account and I can't find a single link on the page that tells you, legally, the terms of the account. Nothing. Just START. GET STARTED. With What?>?>>> July 13, 2015
Rated 5 out of 5 by Great content Information is well organized and easy to find and access. Content is extensive, research tool, stock information, tutorials and account information all provide me the information I need. July 12, 2015
Rated 5 out of 5 by TRUSTWORTHY AND CONSIDERATE you come very highly recommended and I am very satisfied with the level of help and confidence that your employees deliver. July 10, 2015
Rated 5 out of 5 by Glad I went with Fidelity With all the different options available for one to roll over their 401k account upon retirement, it can be a challenge to determine what company is the right fit for you. I have found the folks at Fidelity to be most helpful every step of the way. I am very pleased with the ease of making trades and for all the investment tools that Fidelity provides. July 10, 2015
Rated 5 out of 5 by Helpful tools The website provides a wealth of really helpful tools to manage your portfolio, as well as many resources for learning about different aspects of investing. July 8, 2015
Rated 5 out of 5 by IRA Rollover The rollover from my 401 K to an IRA went smoothly, and Fidelity personnel on both sides were very helpful. June 22, 2015
Rated 5 out of 5 by Solid investment service I like Fidelity. I think they do a nice job of having alot of sources for research. The people at their locations are very helpful as well. One experience I had, I rolled over an old 401k to my IRA and I was asked how I was planning on investing it. At the time, I was clueless of my investment options, so the rep speant over an hour with me showing me all the tools I can use to learn up on everything. It was helpful and I was happy that someone took the time to do that. Its been very beneficial. June 15, 2015
Rated 5 out of 5 by Encourages Active Participation The Active Trader Pro software is helpful in managing account positions. Relatively inconsequential bug fixes, user interface improvements and information presentation changes could make it a superb investing tool for average semi-active investors. June 15, 2015
Rated 5 out of 5 by Very Secure The trading platform is great and easy to use and up to date June 9, 2015
Rated 5 out of 5 by 401K rollover Easy access, great customer service. Very complete web site. June 9, 2015
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