Ways to invest your old 401(k) with Fidelity

Whether you choose your own investments or get advice from Fidelity professionals, we can help you simplify your savings and reach your retirement goals.

We make it easy

We offer an easy-to-follow rollover process, with access to specialists along the way.

Investment options

Choose from managed portfolios, Fidelity and non-Fidelity funds, stocks, bonds, and more.

Help building a plan

Access tools and resources to help you build a plan that can adapt as your needs change.

3 options for managing your rollover investments

Rollover IRA

Digital investing & advice

Wealth Management

Through Fidelity® Wealth Services

With the Fidelity Rollover IRA, you pick your own investments and we'll give you help as needed along the way. Roll over to one of our robo advisor solutions and get a professionally managed portfolio that you can monitor online. Work with a dedicated advisor who can help you roll over to a professionally managed account designed to fit your investment preferences and financial situation.
Minimum investment: $01 Minimum investment: $0 to $25,000 minimum, depending on account type3 Minimum investment: $250,000 to $2 million managed with Fidelity® Wealth Services
Management costs: No annual fees or minimums to open an account2 Management costs: 0.35%–0.50% gross advisory fee4 Management costs: 0.50%–1.50% gross advisory fee5

Rollover IRA

Description With the Fidelity Rollover IRA, you pick your own investments and we'll give you help as needed along the way.
Minimum investment: $01
Minimum costs: No annual fees or minimums to open an account2

Digital investing & advice

Description Roll over to one of our robo advisor solutions and get a professionally managed portfolio that you can monitor online.
Minimum investment: $0 to $25,000 minimum, depending on account type3
Management costs: 0.35%–0.50% gross advisory fee4

Wealth Management

Through Fidelity® Wealth Services

Description Work with a dedicated advisor who can help you roll over to a professionally managed account designed to fit your investment preferences and financial situation.
Minimum investment: $250,000 to $2 million managed with Fidelity® Wealth Services 
Minimum costs: 0.50%–1.50% gross advisory fee5
1. Zero minimums generally apply to Fidelity share classes that previously required investment minimums of $10,000 or less and for stock and bond index fund classes that previously had minimums of up to $100 million. Some Fidelity mutual funds have minimum investment requirements. Other fees and expenses may apply to continued investment as described in the fund's current prospectus. See the fund's prospectus for details. 

2. There is no opening cost or annual fee for Fidelity's traditional, Roth, SEP, SIMPLE, and rollover IRAs. Fund investments held in your account may be subject to management 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.

3. There is no minimum to open a Fidelity Go account, however a client's account will not be invested according to the selected investment strategy until the account has a balance of at least $10.

4. The only additional expense clients pay associated with the mutual funds held in the account will be for certain expenses of the Fidelity Government Cash Reserve Fund.

5. The advisory fee does not cover charges resulting from trades effected with or through broker-dealers other than affiliates of FPWA, mark-ups or mark-downs by broker-dealers, transfer taxes, exchange fees, regulatory fees, odd-lot differentials, handling charges, electronic fund and wire transfer fees, or any other charges imposed by law or otherwise applicable to your account. You will also incur underlying expenses associated with the investment vehicles selected.

Need help?

Our rollover specialists can help with anything from quick questions to guiding you through each step of the rollover process.

https://social.retail.fidelity.com/reviews/cloudSEOService?pid=007&request-url=/retirement-ira/401k-rollover?ccsource=Twitter_Retirement&sf208198277=1