Roll over your employer plan

When you left your old job, did you leave your retirement savings behind? Give your money a fresh start by rolling it over into an IRA.

Learn how to roll over

What is a rollover?

A rollover is when you move money from an employer-sponsored plan, such as a 401(k) or 403(b) account, into an employer-sponsored plan held at Vanguard or a Vanguard IRA®. 

Looking to transfer an IRA or nonretirement account instead?

Ways to roll over your account

I want to keep my earnings tax deferred

Traditional IRA

You can lower your tax bill by deducting your contributions. You won't be taxed until you withdraw money in retirement.1

I want earnings to be tax-free

Roth IRA

You can access your contributions tax- and penalty-free before retirement. Taking money out in retirement is tax-free.2

I want to convert from tax-deferred to tax-free

Roth IRA

You can roll over your traditional 401(k) or 403(b) into a Roth IRA, but this will be considered a Roth conversion which is a taxable event.3

I want to separate my 401(k) or 403(b) from my other assets

Rollover IRA

An IRA can give you more control of your former employer-sponsored plan's assets. Your money won't be taxed until you withdraw it in retirement.1

Compare Roth and traditional IRAs

Not sure how to roll over your assets?

Most rollovers are easy to do online. Follow the 3 easy steps in our guide to get started.

Learn how


Talk to an investment professional

800-742-9998

Monday through Friday, 8 a.m. to 8 p.m., Eastern time

Why choose Vanguard?

Flexibility with your investments

You can choose from a wider range of investments than most employer-sponsored plans offer.

See your retirement picture in a single view

When all your retirement savings are in one place, it’s easier to manage your accounts and monitor your progress.

Advice crafted especially for you

Our advice services can bring you powerful technology and human interaction.

Give your money a chance to grow

84% of our funds have performed better than their peer group averages over the last 10 years.4

Learn more about rollovers 

Still have more questions before starting your rollover?

Rollover FAQs

Consolidate your savings today.

Start your rollover

Consolidate your savings today.

Start your rollover

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