401(k) and IRA Rollovers

Simplify your savings with a Fidelity IRA

Consolidating your old 401(K), 403(b), or other retirement accounts in a Fidelity No-Fee1 IRA can make it easier for you to manage your portfolio and pursue your goals. You'll get:

Rollover eligibility

Individuals who have changed jobs or retired and have left savings in a former employer's plan may be eligible to roll over a workplace savings plan (i.e., 401(k), 403(b), governmental 457(b))

Minimum required distributions are not eligible to be rolled over to an IRA

Tax benefits A Rollover IRA is a type of Traditional IRA with the same tax benefits - potential tax-deferred growth of savings
Account fees1 None
Withdrawals Minimum required distributions starting at age 70½. 10% early withdrawal penalty if under age 59 ½ and no exceptions apply
Key advantages

A more complete view of your financial picture, making it easier to maintain appropriate asset allocation

Freedom from restrictions that may be present in your workplace savings plan

Access to a wide range of mutual funds, stocks, bonds, CDs and other investments

The ability to withdraw penalty-free for a first time home purchase or qualified education expenses

> Learn more on Fidelity.com | Call 800-343-3548


Consider all applicable fees and features before transferring your retirement assets.

1. There is no brokerage account fee on Fidelity's Traditional, Roth, SEP, and Rollover IRAs. Fund expenses and brokerage commissions still apply. Depending on your situation, fees may include low-balance fees, short-term trading fees, and account closing fees. Other fees and expenses applicable to continued investment are described in the fund's current prospectus.

2. $7.95 commission applies to online U.S. equity trades for Fidelity Brokerage Services LLC retail clients; other conditions may apply. See Fidelity.com/commissions for details.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

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