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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 4.2332 out of 5 by 549.
Rated 5 out of 5 by from
Date published: 2014-08-29
Rated 5 out of 5 by from Schwab A/C It is not often that a company exceeds the expectations of their customer..but, Chas Schwab does exactly that! The web-site is easy to use (intuitive) even for a non-technology person like me. The Schwab employees that I have dealt with are knowledgeable, friendly and they seem to REALLY care about creating customer satisfaction. Here is an example...I was having difficulty using one of the web-site's features, so I called your customer service department. The employee that I spoke with walked me through the issue and was very patient with me. In fact, it turned out that the problem was not with YOUR web-site, it was with MY computer! Your employee still was interested in helping me. Unsolicited, he took the time to help me resolve the issue...and this was not his/your problem! He truly went the extra mile for me. I am extremely satisfied with Chas Schwab. Keep up the good work. A long-time and loyal customer, Kavahead
Date published: 2014-08-26
Rated 5 out of 5 by from
Date published: 2014-08-25
Rated 2 out of 5 by from
Date published: 2014-08-25
Rated 3 out of 5 by from
Date published: 2014-08-25
Rated 5 out of 5 by from Roth for Savings I appreciate all the research options available. Also website is easy to navigate.
Date published: 2014-08-24
Rated 4 out of 5 by from
Date published: 2014-08-24
Rated 5 out of 5 by from Closing in on Retirement I have been a Schwab IRA and personal savings client for over 20 years. I have used them to accumulate my needs for retirement. The online research helped me to pick good, solid mutual funds that have a long term record for return. Now that I am approaching retirement, I am very glad I started with Schwab as a saver/investor.
Date published: 2014-08-24
  • 2015-08-26T06:44CST
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