Fidelity Rollover IRA
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$0 minimum, $0 commissions, 3,400+ no-transaction-fee mutual funds, 24/7 phone support. Best overall.
Initiate at fidelity.com or call their rollover specialist line. Online rollover takes 7-14 days for most 401(k) custodians. Their team will call your former 401(k) on your behalf — saves time.
Fidelity Rollover IRA is the right pick for most people. $0 minimum, $0 commissions, 3,400+ no-transaction-fee mutual funds including their flagship FZROX (US total market) at 0.00% expense ratio — the only true zero-cost fund in this comparison. Customer service is excellent (24/7 phone, branches in major cities), online rollover initiation is smooth, and the platform handles both basic and advanced needs well.
Pros
- FZROX at 0.00% expense ratio
- $0 minimum, $0 commissions
- 24/7 phone + branches in major cities
Cons
- Rarely offers transfer bonuses
- Active Trader Pro platform less polished than ThinkOrSwim
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