Roll Your 401(k) Over to an IRA: The Best Providers

 Roll Your 401(k) Over to an IRA: The Best Providers   

 Roll Your 401(k) Over to an IRA: The Best Providers   

 Roll Your 401(k) Over to an IRA: The Best Providers     - When leaving a job, many people also leave their most valuable retirement asset behind: their 401(k), which sits where it is until retirement, quietly amassing fees.

But you can — and in most cases should — take it with you, because 401(k) fees are notoriously high. You’ll likely save money and open yourself to a wider range of investment options by rolling it over to an IRA.

The process is simple: See our article on 401(k)-to-IRA rollovers for full details. The toughest part, in many ways, is choosing an account provider for your individual retirement fund or Roth IRA, if you don’t already have one. That’s where we come in.
- best rollover ira rates
Here are NerdWallet’s picks for the best IRA providers for your 401(k) rollover.
Best IRA providers overall

These providers offer a large fund selection, high-quality customer service and minimal account fees.
td-ameritrade 5.0-stars   

    Offers more than 100 commission-free ETFs and over 2,000 no-transaction-fee mutual funds with no account minimum. See our TD Ameritrade review.
    Commission: $9.99 per trade
    Account minimum: $0
    Promotion: $100 cash bonus for new accounts over $25,000, up to $600 for accounts over $250,000

Chales Schwab 5.0-stars   

    Offers more than 200 commission-free ETFs and over 3,000 no-transaction-fee mutual funds. See our Charles Schwab review.
    Commission: $8.95 per trade
    Account minimum: $1,000; waived with auto-deposits of $100 or more
    Promotion: $100 to $500 cash bonus for deposits of $10,000 or more
- roll 401k into ira then withdraw
Both Charles Schwab and TD Ameritrade are ideal for retirement investors because of their large selections of exchange-traded funds and mutual funds that can be traded with no fees or commissions. TD Ameritrade offers over 2,000 no-transaction-fee mutual funds and over 100 commission-free ETFs; Schwab beats that with over 3,000 no-transaction-fee funds and over 200 commission-free ETFs. Schwab also waives its $1,000 minimum for customers who set up auto-deposits of $100 a month or more. Both brokers also have 24/7 customer service, as well as local offices and a wealth of online and in-branch educational resources.
Best IRA providers for the hands-off investor

Robo-advisors Betterment and Wealthfront manage your portfolio for you.
Betterment 5.0-stars   
- how long do you have to rollover a 401k
    Ideal for clients with account balances of $100,000 or more due to its low fees. See our Betterment review.
    Management fee: 0.15% to 0.35% depending on account balance
    Account minimum: $0
    Promotion: One month free management with $10,000 deposit.
best 401k rollover offers
Wealthfront 5.0-stars   

    Manages the first $10,000 invested for free. See our Wealthfront review.
    Management fee: 0.25%
    Account minimum: $500
    Promotion: NerdWallet readers get $15,000 managed for free
- rollover 401k to ira tax consequences

Betterment and Wealthfront are robo-advisors that manage your IRA account for you. These services build a portfolio out of low-cost ETFs and automatically rebalance it as needed, for an annual management fee that is substantially lower than what a financial advisor would charge. Which is best for you? That depends largely on the balance of the 401(k) you’re rolling over. Betterment has a tiered fee structure, charging just 0.15% on balances of $100,000 or more. Wealthfront charges a flat fee of 0.25%, but waives the charge completely on the first $10,000 ($15,000 for NerdWallet readers). Here is NerdWallet’s direct comparison of Wealthfront and Betterment.
- transfer 401k to ira while still employed
Best IRA providers for low costs

These providers offer a large selection of mutual funds and ETFs with low expense ratios.
Fidelity Investments 4.5-stars   

    Offers over 3,400 no-transaction-fee mutual funds and over 85 commission-free ETFs. See our Fidelity review.
    Commission: $7.95 per trade
    Account minimum: $0 for IRAs
    Promotion: 300 commission-free trades

vanguardlogo 4.0-stars   

    Known for its low-cost index funds. See our Vanguard review.
    Commission: $7 for first 25 online trades per year; $20 for subsequent trades
    Account minimum: $0


If transaction fees and expense ratios are your primary concern — and they should at least be high on the list, as investment fees can really eat up your retirement savings — you should look to Fidelity and Vanguard (though Charles Schwab and TD Ameritrade, our top picks, are also strong contenders here, as noted above). Fidelity gives its clients access to more than 3,400 no-transaction-fee mutual funds and 85 commission-free ETFs, including a large selection of highly rated funds with expense ratios under 0.50%. Vanguard offers a smaller selection of funds that can be purchased without transaction fees or commissions (120 no-transaction-fee mutual funds and 60 commission-free ETFs) but is a pioneer when it comes to keeping investment expenses down: The company that brought investors the index fund — known for its low costs — boasts an average fund expense ratio of just 0.18%. For comparison, the typical equity mutual fund expense ratio is 0.70%.

Best IRA providers for active traders

These brokers offer low commissions, plus extensive research and strong trading platforms.
optionshouselogo 5.0-stars   

    Competitive commissions on stock trades with no account minimum or inactivity fees. See our OptionsHouse review.
    Commission: $4.95 per trade
    Account minimum: $0
    Promotion: Up to $1,000 in free trade commissions

tradekinglogo2 4.0-stars   

    Competitive commissions on stock trades and no account minimum. See our TradeKing review.
    Commission: $4.95 per trade
    Account minimum: $0
    Promotion: Up to $1,000 in free trade commissions

- should i rollover my 401k to an ira

For the most part, 401(k) plans limit you to a curated pool of investment options, primarily mutual funds. But an IRA typically allows you to trade individual stocks (and in some accounts, trade options).

That said, most retirement investors would be wise to avoid playing the market within an IRA. If you decide to dedicate a portion of your account to trading, you should pay careful attention to commissions, research and tools when comparing providers. OptionsHouse and TradeKing both offer $4.95 stock and ETF trades, alongside advanced tools, trading platforms and competitive promotional offers: Both brokers are advertising $1,000 worth of free trades with just a $5,000 qualifying deposit, which is a low deposit requirement for that level of free trades.
- best ira companies consumer reports
OptionsHouse edges out TradeKing by not requiring a minimum number of trades; at TradeKing, you’ll pay a $50 annual fee if you don’t execute at least one trade per year or maintain an account balance of $2,500. Investors should be aware that neither broker offers commission-free ETFs or no-transaction-fee mutual funds



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