Rollover IRA

Thinking of rolling over your 401(k) to an IRA?

Merrill Edge® Rollover IRA offers an easy way to maintain your retirement plan's tax-deferred status while consolidating your retirement assets. A Rollover IRA isn't right for everyone. Consider all of your choices and learn if rolling over your retirement account may be right for you.1
What to consider:
  • Tax advantages and withdrawal rules
  • Access to a full range of investment choices
  • Account management and transaction fees
Call us
Or call us 24/7 at
866.460.1282
Did you know?

Did you know?

You may be able to roll over to a Traditional or Roth IRA, roll over to a 401(k) at a new employer, take a distribution, or leave the account where it is, depending on your unique financial needs and retirement goals. Read more
Each option presents different benefits and limitations with regard to available investment choices and services, fees and expenses, withdrawal rules, required minimum distributions, tax treatment, and protection from creditors and legal judgments. Additionally there are limits to how often and when you can roll over your account.
Get up to
$600
when you open and fund a new Merrill Edge investment account or IRA.

Features and benefits

  • Access to a full range of investment choices while consolidating multiple 401(k) and 403(b) retirement plans
  • Requiring minimum withdrawals starting at age 70½ and generally taxed if withdrawn prior to age 59½
  • If you roll your 401(k) assets into an IRA, your money will keep its tax-deferred status until you withdraw it

Who is eligible

Anyone with retirement assets from previous employers or IRAs. Contact a Merrill Edge rollover specialist 24/7 at 866.460.1282 for details.

Contribution limits

There are no limits to the amount of assets you can roll over from an existing IRA, 401(k) or 403(b), and additional contributions can be made to your Rollover IRA or another IRA.

More individual retirement plans

Traditional IRA

Roth IRA

Compare IRAs

Investment choices

Choose from a wide range of stocks, bonds, ETFs and well-known mutual funds with easy-to-use tools to help you narrow down your investment choices.

Pricing and fees

Merrill Edge offers simple, flat-rate pricing of $6.95 per unlimited online stock and ETF trades—with no trade or balance minimums. Or learn how to qualify for $0 trades with Preferred Rewards. Other fees may apply.2
Annual account fee
$0
Minimum initial funding requirement
$0
Additional transaction, service and investment fees

Get started

It's as easy as 1-2-3
1

Open an account

Open your account online in minutes. Here's what you'll need:
  • Social Security number and date of birth
  • A valid mailing and email address
  • Employment information (including company name, address and start date)
  • General financial information (such as annual income and household net worth)
  • Names and dates of birth for any beneficiaries
A Merrill Edge rollover specialist can help you Consider all of your choices for what to do with your 401(k), as well as help you open your account and transfer funds from your old 401(k), 403(b) or existing IRA.1 Call us 24/7 at 866.460.1282.
Or call us 24/7 at 866.460.1282
2

Transfer funds

Call us 24/7 at 866.460.1282 to speak with a Merrill Edge rollover specialist. We'll help you:
  • Contact your former employer's plan administrator and complete any necessary forms
  • Ensure your funds get deposited directly into your Merrill Edge Rollover IRA account to help you to maintain the tax-deferred status of your assets
3

Start investing

Create an investment strategy:
Build a balanced portfolio aligned to your investment goals in 3 easy steps.
Find the right investments:
Choose from a variety of stocks, bonds, ETFs and thousands of mutual funds. Narrow your investment choices with our easy-to-use screening tools.
Manage your portfolio:
Access your new Merrill Edge investment account anytime, anywhere—online, on your mobile device and at thousands of Bank of America® ATMs.
Other ways to invest
Merrill Edge
Guided Investing
Pursue your investing goals online with a low‑cost managed portfolio.
Invest with advice when you need it
Invest with a licensed Merrill Edge Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.
Learn more
Please review the Merrill Edge Guided Investing Program Brochure (PDF) for important information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. This program is not offered through an advisor. Merrill Edge investment advisory programs are offered by MLPF&S. MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.
1 You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit www.merrilledge.com/ m/pages/mobile /retirement/rollover-ira-mobile.aspx or call a Merrill Edge rollover specialist at 866.460.1282 for additional information about your choices.
2 Other fees may apply. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill Edge pricing, visit merrilledge.com/pricing.
ARL796YT-EXP060218