Partnership Disclosure We might be compensated by one of our IRA partners for an account you open through our platform. This helps us keep the service free, but it never impacts the fees you’ll pay on your new account. We only win if you do, and our job is to help you simplify your retirement accounts. We also help people who already have an IRA account even though we receive no compensation in these situations—because it’s just the right thing to do!

Best Rollover IRAs

Looking to transfer an old 401k? Transferring or “rolling over” your 401k into an Individual Retirement Account, or IRA, is a great way to take control of your retirement assets. We’ve compiled a list of popular providers below.

Compare Top Rollover IRA Providers

Best for: hands-off investors

Betterment

Ease of Use5/5 5

Commissions 0.25%

Account Minimum $0

Open Account

Best for: hands-off investors

Wealthfront

Ease of Use5/5 5

Commissions 0.25%

Account Minimum $500

Open Account

Best for: hands-on investors

SoFi logoSoFi Active

Ease of Use5/5 5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-on investors

Schwab

Ease of Use4.5/5 4.5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

SoFi logoSoFi Automated

Ease of Use4.5/5 4.5

Commissions 0%

Account Minimum $0

Open Account

Best for: hands-on investors

Alto

Ease of Use4.5/5 4.5

Commissions $10/month for Starter and $25/month for Pro, and $10-50 fee per private investment.

Account Minimum $0

Open Account

Best for: hands-off investors

Fidelity LogoFidelity Go

Ease of Use4/5 4

Commissions 0.35%

Account Minimum $0

Open Account

Best for: hands-on investors

Fidelity LogoFidelity

Ease of Use4/5 4

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

Personal Capital

Ease of Use4/5 4

Commissions 0.89%

Account Minimum $100,000

Open Account

Best for: hands-on investors

Ally Invest

Ease of Use4/5 4

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

E*Trade Core Portfolios

Ease of Use3.5/5 3.5

Commissions 0.30%

Account Minimum $500

Open Account

Best for: hands-on investors

TD Ameritrade LogoTD Ameritrade

Ease of Use3.5/5 3.5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-on investors

E-Trade

Ease of Use3.5/5 3.5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

Schwab Intelligent Portfolios

Ease of Use3/5 3

Commissions 0%

Account Minimum $5,000

Open Account

Best for: hands-off investors

TD Ameritrade LogoTD Essentials

Ease of Use3/5 3

Commissions 0.30%

Account Minimum $5,000

Open Account

Best for: hands-on investors

Tradestation

Ease of Use3/5 3

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-on investors

Vanguard

Ease of Use2.5/5 2.5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

Vanguard Personal Advisor

Ease of Use2.5/5 2.5

Commissions 0.30%

Account Minimum $50,000

Open Account

Best for: hands-on investors

Merrill Edge

Ease of Use2.5/5 2.5

Commissions $0 to trade stocks and ETFs online

Account Minimum $0

Open Account

Best for: hands-off investors

Merrill Guided Investing

Ease of Use2/5 2

Commissions 0.45%

Account Minimum $5,000

Open Account

Complete your 401k rollover easily online using Capitalize!

We can help you track down old 401ks, choose an IRA and handle the rollover for you online, for free!

“I highly recommend using Capitalize. I used them to rollover my 401k and not only did they make the process easy, but I literally didn’t need to do anything.”

— Sarah P.

Our picks for Automated IRAs

These rollover accounts automatically create a diversified portfolio of investments for you, which means you can “set-it-and-forget-it”. Most charge an annual fee that’s a percentage of your assets. We’ve highlighted a few popular choices.

Open Accounton Betterment's website

Fees: 0.25%

Best if you want: An automated low-fee portfolio from the biggest independent provider of digital accounts. Betterment was a pioneer in providing "set-it-and-forget-it" portfolios for a low-fee.

Limitations: Not much ability to influence the portfolio they create for you.

Access to Human Advisor: Yes - you can buy a consultation ($199) or pay a higher annual fee (0.40%) for unlimited access on an ongoing basis.

SoFi logoOpen Accounton SoFi's website

Fees: 0%

Best if you want: A zero-fee portfolio from a Milennial-focused brand with a range of other financial products like student loan refinancing and debit cards.

Limitations: Not much ability to influence the portfolio they create for you.

Access to Human Advisor: Yes - SoFi has certified financial professionals on staff that you'll get access to.

Open Accounton Ally's website

Fees: $0 to trade stocks and ETFs online

Best if you want: An easy-to-use trading account at a rapidly growing, digital-first institution.

Limitations: Ally has some great tools for traders (charts, watchlists, screeners) but a little less third-party research.

Access to Human Advisor: Good: market data and some third-party research on stocks (e.g. Morningstar, CFRA).

Our picks for Self-Directed IRAs

Self-directed rollover accounts are for people who want to choose their own investments. They’re usually offered by brand-name brokers. Instead of charging an advisory fee, they usually charge trading commissions for each trade you place. Here are some of the largest providers of self-directed IRAs.

Open Accounton Charles Schwab's website

Commissions: $0 to trade stocks and ETFs online

Invest in: Stocks & ETFs, Mutual Funds, Options, Futures, Bonds

Limitations: You might earn a slightly lower return on extra cash in your account - Schwab's default interest rate is lower than peers.

Access to Research: Good: market data and some third-party research on stocks, mutual funds & markets (e.g. Morningstar, Credit Suisse, Argus).

Fidelity LogoOpen Accounton Fidelity's website

Commissions: $0 to trade stocks and ETFs online

Invest in: Stocks & ETFs, Mutual Funds, Options, Bonds

Limitations: Fidelity's fees on money market mutual funds (where you can put extra cash in your account) are a little higher than some peers.

Access to Research: Good: market data and reports from smaller third-party research providers.

Open Accounton Vanguard's website

Commissions: $0 to trade stocks and ETFs online

Invest in: Stocks & ETFs, Mutual Funds, Options

Limitations: Vanguard's trading platform is very limited for those who want to trade things other than Vanguard ETFs.

Access to Research: Limited: some market data but not much third-party research.

Not sure where your old 401k is? We can help with that.

Don’t lose track of your money. We’ll help you choose a new retirement account, and handle the paperwork, for free.

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