Miglior IRA di rollover 401(k) 2026: 5 a confronto
5 opzioni. Misure reali, niente marketing. Questa guida confronta 5 opzioni sulla base di specifiche pubblicate, documentazione del produttore e test indipendenti, senza prove dirette.
This comparison is desk research. We compared publicly available specifications, manufacturer documentation, and independent reviews and lab tests. We did not test these products ourselves.
Fidelity Rollover IRA
🏆 Best overall: 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 test.
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Fidelity Rollover IRA
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 test. 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.
Punti di forza
- ✓FZROX at 0.00% expense ratio
- ✓$0 minimum, $0 commissions
- ✓24/7 phone + branches in major cities
Punti deboli
- ✗Rarely offers transfer bonuses
- ✗Active Trader Pro platform less polished than ThinkOrSwim
Schwab Rollover IRA
Initiate at schwab.com. Schwab's transfer bonus offers rotate — check current promo before initiating. The bonus is paid 30-60 days after rollover completion.
Schwab Rollover IRA is the right pick if you want bank + brokerage integration. $0 minimum, $0 commissions, Schwab Bank checking with no foreign transaction fees + free ATM worldwide. The Schwab Intelligent Portfolios robo-advisor is free (no advisory fee — they make money on cash drag). Transfer bonus typically $100-300. Schwab acquired TD Ameritrade in 2023; the ThinkOrSwim platform is now part of Schwab.
Punti di forza
- ✓$0 minimum, $0 commissions
- ✓Free ATM worldwide via Schwab Bank checking
- ✓Free Intelligent Portfolios robo-advisor
Punti deboli
- ✗Intelligent Portfolios has high cash allocation (cash drag)
- ✗Less ETF expense ratio leadership than Vanguard
Vanguard Rollover IRA
Initiate at investor.vanguard.com. Vanguard doesn't offer transfer bonuses but has the lowest ETF expense ratios. Online rollover is supported for most 401(k) providers.
Vanguard Rollover IRA is the right pick if you'll hold 70%+ index ETFs and rarely trade. Industry-low ETF expense ratios — VTI at 0.03%, VXUS at 0.07%, BND at 0.03%. Founded by Jack Bogle, who created the first retail index fund in 1976. The UX is dated (the website looks like 2010), and the platform isn't suited for active trading. As a buy-and-hold index investor, the cost savings over 30 years are meaningful — $1,200+ on a $200K portfolio.
Punti di forza
- ✓Lowest ETF expense ratios in industry
- ✓Founded by Jack Bogle (indexing pioneer)
- ✓Vanguard-branded ETFs (VTI, VXUS) are industry standards
Punti deboli
- ✗UX is dated
- ✗No transfer bonuses
- ✗Limited active trading tools
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E*TRADE Rollover IRA
Initiate at us.etrade.com. Transfer bonuses for $200K+ rollovers are typically $500-600. Bonus is paid 90 days after rollover, conditional on holding assets.
E*TRADE Rollover IRA is the right pick for active traders rolling over to an IRA. $0 minimum, $0 commissions, Power E*TRADE for advanced charting and options. Transfer bonus $500-600 on $200K. The platform is robust — better suited for active trading than Vanguard or Fidelity's IRA platforms. Now owned by Morgan Stanley, which has subsidized some services as integration completes.
Punti di forza
- ✓Robust trading platform (Power E*TRADE)
- ✓$500-600 transfer bonus on $200K
- ✓Strong options trading platform
Punti deboli
- ✗Higher inactivity-adjacent fees than competitors
- ✗Morgan Stanley integration ongoing — some service inconsistency
Merrill Edge Rollover IRA
Initiate at merrilledge.com. Highest transfer bonus on $200K ($600) but the best value requires Bank of America Preferred Rewards (need $20K+ across BofA + Merrill).
Merrill Edge Rollover IRA offers the highest transfer bonus in this test ($600 on $200K). $0 minimum, $0 commissions, integration with Bank of America accounts. Preferred Rewards (free if you have $20K+ across BofA + Merrill) unlocks 25-75% bonus on credit card rewards and additional free trades. As a standalone IRA, Merrill Edge is fine but not exceptional — the value is in the BofA integration for existing BofA customers.
Punti di forza
- ✓$600 transfer bonus on $200K (highest)
- ✓Bank of America integration
- ✓Preferred Rewards multiplier on credit card rewards
Punti deboli
- ✗Best value requires BofA banking relationship
- ✗Less ETF expense ratio leadership than Vanguard/Fidelity
Per chi è?
First-time rollovers who want a simple, low-cost start
Fidelity Rollover IRA
Fidelity's 24/7 support and FZROX at 0.00% expense ratio remove both process friction and ongoing cost for beginners.
Long-term buy-and-hold index fund investors
Vanguard Rollover IRA
Vanguard's VTI at 0.03% and VXUS at 0.07% deliver the lowest ETF expense ratios available, worth $1,200+ over 30 years on $200K.
Active traders and options investors in retirement accounts
E*TRADE Rollover IRA
Power E*TRADE provides advanced charting and a strong options platform, plus a $500-600 transfer bonus on a $200K rollover.
Bank of America customers consolidating banking and investing
Merrill Edge Rollover IRA
Existing BofA customers unlock the $600 transfer bonus and Preferred Rewards perks that multiply credit card rewards by up to 75%.
Frequent travelers who want banking and brokerage in one place
Schwab Rollover IRA
Schwab Bank checking offers free ATM withdrawals worldwide and no foreign transaction fees, paired with a no-fee robo-advisor for the rollover balance.
Rollover process friction
Fidelity, Schwab, and Vanguard offer fully online rollover initiation for most 401(k)s — you fill out an online form, sign electronically, and they handle the paperwork with your former 401(k) provider. Days to complete: 7-14 typically.
E*TRADE and Merrill Edge require more manual back-and-forth — typically a 2-3 page paper form mailed to your former 401(k) provider. Days to complete: 14-30.
The rollover is 'direct' (custodian to custodian, no taxes) if done correctly. 'Indirect' rollovers (where the check is made out to you) have a 20% withholding and a 60-day deadline to redeposit — avoid unless necessary.
Transfer bonuses paid
On a $200K rollover, current bonuses (2026): Fidelity $0 (rarely offers transfer bonuses but free trades), Schwab $100-300 (varies by promo), Vanguard $0 (doesn't bonus, lowest base fees), E*TRADE $500-600, Merrill Edge $600 (highest, requires Bank of America account).
Effective return on a $600 Merrill Edge bonus is 0.30% one-time — meaningful for the first year but trivial over a 20-30 year holding period. Don't optimize purely for the bonus.
Best for each use
Best overall: Fidelity Rollover IRA. $0 commissions, 3,400+ no-transaction-fee mutual funds, 0.00% expense ratio on FZROX (their flagship US total market mutual fund —.
Best for index investors: Vanguard Rollover IRA. Industry-low ETF expense ratios (VTI at 0.03%, VXUS at 0.07%), founder of indexing. The case for Vanguard is purely cost — for $200K of index investing over 30 years, 0.01% lower expense ratio = $1,200 extra over the period.
Best for active traders: E*TRADE Rollover IRA. Robust platform, Power E*TRADE for advanced charting, $500-600 transfer bonus.
Best for BofA customers: Merrill Edge Rollover IRA. $600 transfer bonus, Preferred Rewards benefits if you bank with BofA (free trades on additional categories).
Best for banking integration: Schwab Rollover IRA. Integrated checking + savings + brokerage, robo-advisor (Intelligent Portfolios) at no fee.
