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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 401(k)? Transferring or “rolling over” your 401(k) 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
Betterment
Ease of Use
5/5
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Commissions
0.25%
Account Minimum
$0
Best for: hands-on investors
SoFi
SoFi
Ease of Use
5/5
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Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
Wealthfront
Wealthfront
Ease of Use
5/5
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Commissions
0.25%
Account Minimum
$500
Best for: hands-on investors
Charles Schwab
Charles Schwab
Ease of Use
4.5/5
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Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-on investors
AltoIRA
AltoIRA
Ease of Use
4.5/5
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Commissions
Crypto IRA: 1.5% Trade Fee for all transactions; No Custody or Account Fees
Alto IRA: $10/month for Starter and $25/month for Pro, and $10-75 fee per private investment
Account Minimum
$0
Best for: hands-off investors
Betterment
Betterment
Ease of Use
5/5
Star filledStar filledStar filledStar filledStar filled
Commissions
0.25%
Account Minimum
$0
Best for: hands-on investors
SoFi
SoFi
Ease of Use
5/5
Star filledStar filledStar filledStar filledStar filled
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
Wealthfront
Wealthfront
Ease of Use
5/5
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Commissions
0.25%
Account Minimum
$500
Best for: hands-on investors
Charles Schwab
Charles Schwab
Ease of Use
4.5/5
Star filledStar filledStar filledStar filledStar half
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-on investors
AltoIRA
AltoIRA
Ease of Use
4.5/5
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Commissions
Crypto IRA: 1.5% Trade Fee for all transactions; No Custody or Account Fees
Alto IRA: $10/month for Starter and $25/month for Pro, and $10-75 fee per private investment
Account Minimum
$0
Best for: hands-on investors
Fidelity
Fidelity
Ease of Use
4/5
Star filledStar filledStar filledStar filled
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-on investors
Ally
Ally
Ease of Use
4/5
Star filledStar filledStar filledStar filled
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
Fidelity
Fidelity
Ease of Use
4/5
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Commissions
0.35%
Account Minimum
$0
Best for: hands-off investors
SoFi
SoFi
Ease of Use
4/5
Star filledStar filledStar filledStar filled
Commissions
0%
Account Minimum
$0
Best for: hands-on investors
TD Ameritrade
TD Ameritrade
Ease of Use
3.5/5
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Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-on investors
E-Trade
E-Trade
Ease of Use
3.5/5
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Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
Ally
Ally
Ease of Use
3.5/5
Star filledStar filledStar filledStar half
Commissions
0%
Account Minimum
$100
Best for: hands-off investors
E-Trade
E-Trade
Ease of Use
3.5/5
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Commissions
0.30%
Account Minimum
$500
Best for: hands-on investors
Tradestation
Tradestation
Ease of Use
3/5
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Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
Charles Schwab
Charles Schwab
Ease of Use
3/5
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Commissions
0%
Account Minimum
$5,000
Best for: hands-on investors
Vanguard
Vanguard
Ease of Use
2.5/5
Star filledStar filledStar half
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-on investors
Merrill Lynch
Merrill Lynch
Ease of Use
2.5/5
Star filledStar filledStar half
Commissions
$0 online trades for stocks and exchange-traded funds (ETFs)
Account Minimum
$0
Best for: hands-off investors
TD Ameritrade
TD Ameritrade
Ease of Use
2.5/5
Star filledStar filledStar half
Commissions
0.30%
Account Minimum
$5,000
Best for: hands-off investors
Merrill Lynch
Merrill Lynch
Ease of Use
2/5
Star filledStar filled
Commissions
0.45%
Account Minimum
$1,000
Have an old 401(k) from a previous job?
Fund your new IRA with a 401(k) rollover! We’ll help you track it down and compare IRA providers to find the best match for you.
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Sarah P.
“I highly recommend using Capitalize. I used them to rollover my 401(k) and not only did they make the process easy, but I literally didn’t need to do anything.”
—Sarah P.
SoFi logo
SoFi
Automated IRA
Fees: 0%
Best if you want: A zero-fee portfolio from a digital 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.
Betterment logo
Betterment
Automated IRA
Fees: 0.25%
Best if you want: An automated, low-fee portfolio from the largest 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 ($299) or pay a higher annual fee (0.40%) for unlimited access on an ongoing basis.

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Vanguard logo
Vanguard
Self-Directed IRA
Commissions: $0 online trades for stocks and exchange-traded funds (ETFs)
Invest in: Stocks & ETFs, Mutual Funds, Options
Limitations: Vanguard's platform is limited if you want to trade things other than ETFs and some Vanguard funds have high minimums.
Access to Research: Limited: some market data but not much third-party research.
Fidelity logo
Fidelity
Self-Directed IRA
Commissions: $0 online trades for stocks and exchange-traded funds (ETFs)
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: access to market data and reports from third-party research providers (e.g. Argus, CFRA).
Charles Schwab logo
Charles Schwab
Self-Directed IRA
Commissions: $0 online trades for stocks and exchange-traded funds (ETFs)
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).

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