Rollover IRA

Rollover IRA Account Details

Key Benefits

Fidelity Advantage

Getting Started

No annual maintenance fee.¹
No transaction fee when trading most Fidelity mutual funds.²
Your money grows tax-deferred, as earnings are not subject to tax until they are withdrawn.
Contributions may be tax-deductible, based on income and participation in a workplace retirement plan.
Two choices for your core position (where your money is held until you invest or withdraw it):

— FDIC-Insured Deposit Sweep:
An interest bearing cash position, offering the benefit of FDIC insurance eligibility through a Program Bank³. See the current interest rates.

— Fidelity Cash Reserves:
A Fidelity money market fund.⁴

A broad range of investment choices, including more than 4,500 Fidelity and non-Fidelity mutual funds, index and exchange traded funds, plus stocks, bonds, and options.
Comprehensive research and tools to help you find, analyze, and track investment performance.
Knowledgeable representatives to help you create and maintain your plan.
Fidelity^® Retirement Rewards American Express^® Card. Apply for the card to earn 2% on purchases to your Fidelity IRA.⁵

On your own:

Complete an IRA application online.
Contact your former employer to notify them you are doing a rollover, and complete the necessary paperwork.

Or, with help from a Fidelity representative:

Dedicated Fidelity Rollover Specialists help you complete the process in a few easy steps. We’ll assist you with the paperwork, track your rollover assets, and provide you with information so you can develop an investment strategy.

Visit our Rollover area to review what’s involved in completing a rollover.

1 There is no brokerage account fee on Fidelity’s Traditional, Roth, SEP, and Rollover IRAs. Fund expenses and brokerage commissons 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 For more information, refer to the Brokerage Commission & Fee schedule for retirement accounts.

3 The Cash Balance in the FDIC–insured Deposit Sweep is swept to an FDIC–insured interest-bearing account at a Program Bank. The deposit at the Program Bank is not covered by SIPC. The deposit is eligible for FDIC insurance subject to FDIC insurance coverage limits. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. The Program Bank will be assigned to your account during the account opening process. See the current list of eligible Program Banks. For more information, please see the FDIC Insured Deposit Sweep Program (PDF) disclosure document. For more information about FDIC insurance coverage, please visit the FDIC Web site at www.FDIC.gov or call 877–ASK–FDIC. Customers are responsible for monitoring their total assets at the Program Bank to determine the extent of available FDIC insurance. All FDIC insurance coverage is in accordance with FDIC rules.

4 An investment in a money market fund is not a bank deposit and is not insured or guaranteed by the FDIC or another government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

Before investing, consider the fund’s investment objectives, risks, charges, and expenses. Contact Fidelity for a Prospectus containing this information. Read it carefully

5 For information about the rates, fees, other costs, and benefits associated with the use of this credit card, or to apply, go to www.fidelity.com/creditcards and refer to the disclosures accompanying the online credit card application, or call FIA Card Services toll–free at 1–866–598–4971 . This credit card program is issued and administered by FIA Card Services, N.A., which is not an affiliate of Fidelity Investments. For complete information visit www.fidelity.com/creditcards.

American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a Card or to be eligible to use points to obtain any rewards offered under the program other than Fidelity Rewards.