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Rollover IRA

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Rolling your old 401(k), 403(b), or other employer-sponsored retirement plan into a Schwab Rollover IRA is an easy way to take control of your retirement savings. Our Rollover IRA Consultants will help you take care of the paperwork. Learn about what 401k rollover rules may affect you and how you can avoid early withdrawal fees. Also, discover what rollover options are available when rolling over a 401k.

What are the fees and commissions?

  • $0 account open or maintenance fees. Other account fees, fund expenses, and brokerage commissions may apply1
  • Minimum required to open an account: $1,000
  • Commissions: $8.95 per online equity trade;2 $0 per Schwab ETF online trade in your Schwab account 3

What do I get with this Rollover IRA?

Every Schwab account comes with investment help and guidance. With this account, you'll get:

  • A tax-smart way to keep your retirement money invested and avoid early withdrawal penalties 
  • Hassle-free rollover help from start to finish
  • Retirement planning tools and resources in Understanding IRAs
  •  24/7 service and support

A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances.

See client reviews.

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Need help? Call
866-855-5636.



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  or call a Schwab Rollover Consultant at 866-855-5636.
  • We're here to help.
  • OPEN

    We’ll help you choose the right account. Call 877-627-7734 or visit a local branch.

  • FUND

    Your New Client Concierge will help you take care of the paperwork, transfer assets, and more.

  • INVEST

    Get a complimentary 1-on-1 consultation to select the right investments based on your goals.

Individual Retirement Account is rated 4.220070422535211 out of 5 by 568.
Rated 5 out of 5 by from Great in every way! I've been a Schwab customer for over 30 years and have NEVER been disappointed! Their service is great and available 24/7/364.
Date published: 2016-05-02
Rated 1 out of 5 by from No Retirement Review Offered I was with Schwab for many years. The webpage offered a complimentary retirement review. When I called I was told that was only for managed accounts despite the fact I had a substantial sum at Schwab. I needed guidance and had to leave Schwab to receive it at a competitor.
Date published: 2016-04-28
Rated 1 out of 5 by from Why are we rating a roth ira? Typical Schwab product - you buy it and you are on your own. Oh, I did get a phone call soon after opening it, some guy that sounded and acted like NY Mafioso, asking where I was going to get the money to fund it, now.
Date published: 2015-11-13
Rated 5 out of 5 by from Website is first-rate. Have moved from other online brokerages because this site the easiest and most complete for me. Tying in a checking account means I have all my financial transactions at same place to avoid confusion and accelerate transfers and review buys and sells. I love Schwab! J
Date published: 2015-09-28
Rated 5 out of 5 by from I am doing AOK I have been with Schwab for 0ver 30 years. Even before I open Schwab accounts, I knew and was convinced that no broker will be there to make my financial decisions for me. I never wanted them to. So I learned to invest myself. Contrary to common thinking, I don't think I spend lot of time doing it. Even when I was working full time as a busy doctor, I was investing myself. On and of I need some technical advises, I get it from Schwab without any problem. All in all I am very happy I have been with Schwab in the last 30+ years. I have been listening to MR Schwab's advise since the beginning of my investing activities: "have faith in the market."
Date published: 2015-07-04
Rated 5 out of 5 by from Easy Account-opening for 401k Transfers The process was simple and easy when I moved my employer 401k over to a Schwab IRA.
Date published: 2015-06-19
Rated 1 out of 5 by from Condescending, patronizing, stonewalling If this is what you like when you call the 800 number, go with Schwab
Date published: 2015-06-16
Rated 5 out of 5 by from I'm a raving fan I started with Schwab as a rookie investor about 20 yrs ago with $5000 to begin my investment journey. I now have a seven figure retirement nest egg in a variety of Schwab retirement accounts. They have grown with me, I love the Schwab ETFs with exceptionally low fees. The website is great and while I'm generally a "self service" gal who loves to make my own investment choices, the Schwab team is always responsive to questions or concerns. I'm a raving fan and very quick to refer friends. I have my main account, my husbands SIMPLE, my rollover IRA, an inherited IRA and a couple non-deductible IRAs. They are able to link all the accounts so I can get a view of my total portfolio including my current employers 401k. I strongly recommend Schwab and plan to keep my money with them forever.
Date published: 2015-03-27
  • 2016-07-25T06:25CST
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