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Get up to $600 when you open a OneStop Rollover1

ROLL OVER A 401(k)

OneStop Rollover

The easiest way to reenergize your old 401(k) and stay on track – tailored to your goals and professionally managed.

Roll Over

Call 877-921-2434 for step by step guidance through the rollover process or open a Rollover IRA online and select OneStop Rollover to get started in minutes

Automatically Invest

When your old 401(k) arrives at E*TRADE, it will be automatically invested in a professionally selected and diversified portfolio2 – which we'll recommend to you during account opening based on your needs and financial profile

Stay on Track

Your OneStop Rollover will be monitored daily and rebalanced as needed by a team of professionals from E*TRADE Capital Management3, so you remain on track towards your retirement

Additional Benefits of the E*TRADE OneStop Rollover?
Tax Advantages
Just like all IRA's, your assets stay tax deferred, and there are no tax penalties that are associated with cashing out your 401(k)
Quality Investments
Your old 401(k) will be invested in leading mutual funds or ETFs selected from among the top providers in the industry
Unlimited 24/7 Access
Your portfolio holdings and performance can be viewed anytime through the E*TRADE website
Exceptional Value
You can get started with just $25,000 and pay a low asset-based advisory fee. You pay no trade commissions with this account
Why Roll Over4?

There is a good chance that at some point in your career you've changed jobs, and left your 401k in your old employer's plan. Or you may have several retirement accounts with different providers. At E*TRADE we offer solutions for those old 401ks and retirement accounts so they start working for you again.

Get Started

Contact a Rollover Specialist at 877-921-2434 to help get your rollover started or open your E*TRADE OneStop Rollover online today.

Rollover Checklist

Should I Roll Over from My Employee's Plan?

Follow these simple steps to roll over assets from a former employer's retirement plan, such as a 401(k) or 403(b), to E*TRADE Securities.

Asset Rollover Checklist

New job? Give your 401(k) a new start with an E*TRADE Securities Rollover IRA. There are no annual IRA fees and no account minimums. Rolling over assets is the most common way to roll over and is supported by all plan administrators.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct roll over of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Rollover IRA account number should be included on the check.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • If your plan administrator sends you the check, simply forward it along with an IRA Deposit Slip to E*TRADE at the address above.
  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited.
    • Invest your IRA using our Online Portfolio Advisor, free tools, research and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.

Securities Rollover Checklist

It may be possible to transfer stocks, mutual funds, or other securities directly to your Rollover IRA without converting them to cash. Please check with your plan administrator to see if this type of rollover is supported. Allow 6 to 8 weeks for a securities rollover.

  1. Open Your E*TRADE Securities Rollover IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. See if Your Mutual Funds Can Be Rolled Over
    • Go to etrade.com/mutualfunds and search for your fund. If your fund is not listed, please contact one of our Investment Professionals, as we may be able to add the fund, or even hold your existing position.
    • Instruct the plan administrator to sell any mutual funds that can't be rolled over. You can then follow the steps on the Cash Rollovers tab to move the cash to your IRA.
  3. Roll Over Transferable Securities
    • For securities that can be directly rolled over, instruct the plan administrator to forward them to DTC Clearing 0385, Code 40, OR send certificates directly to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

    • The certificates must clearly indicate your Rollover IRA account number and must be registered to: E*TRADE Securities, FBO <Your Name>.

If you hold highly appreciated company stock, a Rollover IRA may prevent you from taking advantage of the preferred long-term capital gains tax rate. Consult your tax advisor for more information.

Roth IRA Rollover Checklist

If you've made after-tax contributions to a Roth 401(k) or Roth 403(b), or want to move your pre-tax 401(k) to a Roth IRA, you'll need to roll over to a Roth IRA. Rolling over assets from a pre-tax 401(k) to a Roth IRA will result in all pre-tax assets you roll over being included in your taxable income. However, if you like the idea of being taxed now and not later, or if you think you will be in a higher tax bracket later in life, you may want to consider rolling over these assets to a Roth IRA now.

  1. Open Your E*TRADE Securities Roth IRA

    Apply online in minutes or call 1-877-921-2434 for assistance.

  2. Contact Your Former Plan Administrator

    Ask for a direct rollover of your plan assets.

    • Complete all distribution forms required by your former employer.
    • Instruct the plan administrator to issue a distribution check made payable to: E*TRADE Clearing, FBO <Your Name>. Your Roth IRA account number should be included on the check.
    • Instructions should be attached to the check if it is to be split between a Rollover IRA and a Roth IRA.
    • Instruct the plan administrator to mail the check to:

      E*TRADE Securities LLC
      PO Box 484
      Jersey City, NJ 07303-0484

  3. Put Your Retirement Assets to Work
    • Log on to see when your funds have been deposited
    • Invest your IRA using Online Portfolio Advisor or our FREE tools, research, and screeners.
    • Need additional help? Our experienced investment professionals can help you create a retirement strategy and provide unbiased investment recommendations.

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