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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.

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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 4.3 out of 5 by 608.
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 myopinions When I started my first Regular IRA at schwab I was told there would be no acct fees. Nearly twenty years later I still have not paid any account fees. I now also have a Roth and an inheirited IRA, and my wife has a Reg IRA, and we still don't pay any maintenance fees on any of them. Pretty Cool. When I started with schwab in ninety three they would provide a newspaper-like catalog for comparing Mutual funds. I really like how they have kept up with technologies year after year, to the point now where I have wonderful reasearch tools and up to the minute access to my account information.
Date published: 2011-02-20
Rated 5 out of 5 by from Easy to understand guildance and advice After having been with several full sevice and many online brokerage firms over the past 40+ years, Charles Schwab's Customer Sevice Team, easy to use web platform, and investment tools are the best of the best. Chuck is fair, honest, and can answer any question quickly. They know how to return a phone call and always follow up to see if you have any additional questions. Their account promotional bonus perks will make any level investor smile. I also love the bill payer and direct deposit features for my Schwab non retirement accounts. Less time running around transferring money for me.
Date published: 2012-12-04
Rated 2 out of 5 by from Attends to the big guy not the small one When I joined 'Schwab,I was with a large company and we got service. The representative was available often. Came by the plant and held meetings and assistance. When I left the company ,I continued with Schwab. They did not continue with me. I lost all contact with them.After a few years I tried to find them to no avail. They moved their offices and I didn't find them. I went to another office and was graciously told that they did not handle my account so, try to make contact with my rep. Even today,i have questions and the only help I can get is the corporate phone contact. I may have avoided many pitfalls if I had some assistance and guidance
Date published: 2011-03-10
Rated 2 out of 5 by from IRA Review Hello, I have had both Rollover and Roth IRA's with Charles Schwab for over a decade and their performance has been less than impressive and even disappointing to say the least. I believe it would be helpful to receive annual feedback from dedicated Schwab professionals who understand the IRA accounts, the current market performance, and available options, etc., in order to receive professional guidance re: longterm preparation for retirement and overall IRA performance and options. This would be very helpful to the average investor and middle class law-abiding American, who only wants to be able to retire comfortably and with confidence. Thank you.
Date published: 2011-12-05
Rated 5 out of 5 by from Exactly what our situation requires. We needed a low-cost setup to manage four self-directed IRA's (two Roth, two traditional). Schwab has met that need for two decades. Our capital accumulation and distribution plans dictate our investment strategy, which we spread across all accounts. Two were subject to "substantially equal payments" withdrawals, so are treated very different from the Roths, whose emphasis is on making payments of deductible and tax expenses. They have served us flawlessly through twenty years of early retirement. And really, we can't ask more than flawless service, tuned precisely to our needs. Combined with the banking arm it has met virtually all our financial needs.
Date published: 2014-08-15
Rated 4 out of 5 by from The Schwab IRA works for me This account serves my needs well. I do not mix "advice" with "account servicing", therefore, it suits me well that Schwab does not tell me what to do but lets me execute my own strategy I base that strategy in part on expert advice that is independent of Schwab. Schwab's account service is professional, flexible, and moderately priced. That enables me to benefit from strategies that involve trading options - such as selling covered calls. Such strategies can be prohibitively expensive if carried out with a "traditional" brokerage house where commissions are far higher than at Schwab and would sharply reduce my gains. Thank you, Schwab!
Date published: 2014-08-15
Rated 1 out of 5 by from Schwab doesn't live up to it's Commercia I'm an average investor who saves every month towards retirement hoping the money will be there when I need it. But Schwab may have better window dressing than the others but does not deliver straight talk it advertises. It's actions are no different from Wall St. in general. twice I've had issues with money not being deposited into the right accounts and staff seem clueless about resolving it, "talks down" to me. Now I believe it's done intentionally to make them money not me. I believe I have about a 50/50 chance my money will be there when I retire but I'm sure Schwab and Wall St. will have there's.
Date published: 2011-06-02
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