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Accounts & Products
 

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: $4.95 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.
Individual Retirement Account is rated 4.2 out of 5 by 642.
Rated 4 out of 5 by from
Date published: 2017-05-13
Rated 5 out of 5 by from 5 stars excellent service, great execution and good people standing behind product
Date published: 2017-05-12
Rated 5 out of 5 by from
Date published: 2017-05-10
Rated 5 out of 5 by from Great opportunities. Great way to be able to handle your money in a tax differed setting. Trades are made in a very informed intuitive way.Love it!!!
Date published: 2017-05-05
Rated 4 out of 5 by from Good Perfomer Schwab has handled our IRA very well.
Date published: 2017-05-05
Rated 5 out of 5 by from Wonderful! My first IRA over 30 years ago was with Charles Schwab . After a couple of years that small account went into a competitor's mutual fund. But, after retirement three years ago, the first place I came back to was Schwab when I converted my employment 401(k) to an IRA. Now, all of my accounts are with Schwab. I could not be happier with the service and the choices of investment opportunities.
Date published: 2017-05-04
Rated 2 out of 5 by from What gives? We like that you double check occasionally when we withdraw cash, but today someone, on a recorded line, said she didnt have our correct address, (and you do! and did)...she said you still have our Des Moines address, I don't see it anywhere. I knew we changed our address when we moved. Why isn't the correct one in your internal system?
Date published: 2017-05-02
Rated 5 out of 5 by from Excellent Service, Record Keeping and Technology Schwab offers excellent personal service by advisors, and provides useful and easy to understand reports and user friendly transaction technology for all types of accounts. Annual tax reports are always extremely user friendly. Recently lowered fees are also an attraction. In addition to IRA, personal and Trust accounts, we have a custodial IRA for our daughter and we used Schwab to act as custodian for our company profit sharing plan for many years and found that service to be excellent as well. The only issue I have is that they do not seem to offer a system for pin code log in verification which text's a pin code to your mobile phone as a double security measure against identity fraud.
Date published: 2017-05-01
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