Take charge of your old 401(k) or savings from a previous employer with a rollover IRA. You can also convert an existing retirement account to a Roth IRA to help save on taxes.
You’ve got money you want to move or transfer; we’re here to help you move it.
If you are looking to move your old 401(k) and workplace accounts into one IRA, you can do so without taxes or penalties.1
Transfer all or part of an account—including stocks, bonds, mutual funds, and other security types—without needing to sell your investments.2
You can pay taxes on your existing retirement account to move your savings to a Roth IRA, letting you enjoy the potential for future tax-free growth.
Should you decide to do a rollover, we'll assist with the 3-step process: opening your new IRA, contacting your old provider to transfer the funds, and depositing the funds at Fidelity. Along the way, we'll provide support to help you avoid taxes and penalties.
Your new rollover IRA gives you a powerful opportunity to build for the future. To take advantage, we'll help you choose from Fidelity's wide range of investing options, including ones that let Fidelity do the investing for you.
Whether you’re adding money to or taking it out of your account, we can help you do it smarter.
To help you take advantage of the benefits of your tax-advantaged account, we have tools and strategies to help you contribute what you can, on a schedule that works for you.
You’ve contributed and saved, and now you might want to think about how to withdraw your money. We'll help you understand how your age and other factors affect the way the IRS treats your withdrawal.
Here are 4 options for a 401(k) with a former employer.
6 min 
Putting savings and investments in one place can save time and money.
5 min 
Consider this indirect strategy if you earn too much to contribute directly to a Roth IRA.
10 min 
Whether you're looking for investment strategies or a more collaborative and customized approach, we offer a number of ways to work together.
We’ll guide you through some basic questions to help you find accounts that may fit your goals.
We can help you find the answers.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
Screenshots are for illustrative purposes only.
1. Generally, there are no tax implications if you complete a direct rollover and the assets go directly from your employer-sponsored plan into a Rollover, Traditional or Roth IRA (as applicable) via a trustee-to-trustee transfer.
2. There are some security types that Fidelity is unable to hold. If that's the case, you will need to liquidate those assets in order to move them to Fidelity.
Fidelity advisors are licensed with Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, and registered with Fidelity Brokerage Services LLC (FBS), a registered broker-dealer. Whether a Fidelity advisor provides advisory services through Strategic Advisers for a fee or brokerage services through FBS will depend on the products and services you choose.
Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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