530A Rollover Comparison

Should you leave your child's account at Robinhood, or roll it over to Fidelity, Vanguard, or Schwab? This tool compares expense ratios, outgoing fees, and the compounding difference over 18 years — so you can make the call with actual numbers instead of vibes.

Estimates assume a 7% average annual return. Not a guarantee. All investing involves risk.

Free Tool

Rollover Comparison Tool

Should you move your child's Trump Account from Robinhood to Fidelity, Vanguard, or Schwab? Run the numbers in under a minute.

Rollover Calculator

Free — email required

Free
  • Compare 7+ major brokerages side-by-side
  • See the exact dollar difference at age 18
  • Accounts for transfer fees and break-even time
  • Personalized recommendation: worth it, wash, or not worth it
  • Interactive chart showing both paths over time

Your data stays private

All calculations run locally in your browser. We never see your account balance or personal details.

Common questions

Should I roll over from Robinhood?

It depends. Robinhood's default fund has a slightly higher expense ratio than Fidelity FSKAX or Schwab SWTSX. Over 18 years the dollar difference is modest. The tool runs the actual numbers with your starting balance and contribution assumption.

Are there rollover fees?

Some receiving brokerages charge a one-time ACATS fee; others waive it. The tool factors in the fee when comparing final balances at age 18.

How long does a rollover take?

An ACATS transfer between brokerages typically takes 5–10 business days. Your money stays invested during the transfer — it's moved in kind, not liquidated.

Can I roll over more than once?

Yes. 530A accounts are not subject to the IRA one-rollover-per-year rule. You can move the account whenever it makes sense.