A curated selection of low-cost, broad-market index funds ideal for consolidating previous employer 401(k) assets into an IRA or new plan. This list prioritizes funds with expense ratios under 0.10%, strong historical performance, and liquidity to ensure efficient retirement savings growth.
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Provides exposure to the entire U.S. stock market with over 3,600 stocks. Its ultra-low expense ratio of 0.03% makes it a cornerstone holding for long-term retirement portfolios seeking comprehensive domestic market coverage.
Tracks an index of the largest U.S. equities and offers zero expense ratio for self-directed brokerage accounts. It is a popular choice for rollovers due to its seamless integration with Fidelity’s retirement planning tools and broad diversification.
Offers broad market exposure at an exceptionally low cost with an expense ratio of 0.03%. This fund is highly suitable for rollovers into self-directed IRAs, providing access to large, mid, and small-cap U.S. stocks in a single vehicle.
Diversifies a portfolio beyond the U.S. by tracking international developed and emerging markets. With an expense ratio of 0.11%, it complements domestic holdings by adding global exposure, reducing reliance on any single economy.
Provides access to non-U.S. equity markets with a zero expense ratio for eligible accounts. It is an excellent option for investors looking to build a globally diversified retirement portfolio without paying high management fees during a 401(k) rollover.
Tracks international developed markets with an expense ratio of 0.06%. It is a cost-effective solution for adding international diversification to a rollover IRA, focusing on companies in Europe, the Pacific, and emerging markets.
Offers broad diversification across U.S. investment-grade bonds, including government and corporate debt. With a 0.05% expense ratio, it serves as a stabilizing component in a balanced portfolio, reducing overall volatility during market downturns.
Tracks the Bloomberg U.S. Aggregate Float Adjusted Index, providing exposure to a wide range of bond sectors. Its zero expense ratio makes it an attractive choice for conservative investors seeking steady income and capital preservation during rollovers.
Delivers broad investment-grade bond exposure with an expense ratio of 0.04%. It is a reliable tool for retirees and rollovers aiming to mitigate risk through fixed-income assets while maintaining low costs and high liquidity.
These all-in-one funds automatically adjust asset allocation based on the investor’s expected retirement date. They simplify rollover management by offering a pre-diversified portfolio of stocks and bonds that becomes more conservative as the target date approaches.
Designed for investors nearing retirement, this fund gradually shifts from growth-oriented stocks to income-generating bonds. It provides a hands-off approach to asset allocation, making it ideal for those who prefer automated diversification during a rollover.
An exchange-traded fund that tracks the CRSP US Total Market Index, offering broad market exposure. With an expense ratio of 0.03%, it is a flexible option for rollovers into taxable or tax-advantaged accounts, allowing for intra-day trading.
Tracks the S&P 500 Index, providing exposure to 500 of the largest U.S. companies. Its 0.03% expense ratio and high liquidity make it a staple for many retirement portfolios, offering a balance of growth potential and stability.
Replicates the performance of the S&P 500 with an expense ratio of 0.02%, one of the lowest in the industry. It is a cost-efficient choice for investors seeking large-cap U.S. equity exposure within their rolled-over retirement accounts.
Provides exposure to small and mid-cap stocks not included in the S&P 500, with a zero expense ratio. It allows investors to diversify beyond large-cap stocks at no additional cost, enhancing growth potential in a diversified rollover portfolio.
Focuses on companies with a record of increasing dividends over time, offering a blend of growth and income. Its 0.08% expense ratio and conservative dividend strategy appeal to retirees seeking reliable income streams alongside capital appreciation.
Tracks an index of developed and emerging markets, providing comprehensive international equity exposure. With an expense ratio of 0.09%, it is a practical tool for diversifying a rollover portfolio beyond U.S. domestic markets.
Targets the small-cap segment of the U.S. market with an expense ratio of 0.02%. It offers higher growth potential than large-cap funds, making it a suitable addition for investors with a longer time horizon during a 401(k) rollover.
Invests in real estate investment trusts (REITs), providing exposure to the real estate sector. Its 0.12% expense ratio and potential for high dividends make it an attractive alternative asset class for diversifying a traditional stock and bond portfolio.
Tracks the performance of the real estate sector with a zero expense ratio for eligible accounts. It allows investors to gain exposure to REITs and real estate companies, adding inflation protection and income diversity to a rollover IRA.