Move money

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.

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®. 

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.* 

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. 

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.***

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.*

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.

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

75% of our funds have performed better than their peer group averages over the last 10 years.†

Learn more about rollovers 

Still have more questions before starting your rollover?

Rollover FAQs

Ready to get started?

New to Vanguard and looking to consolidate your savings?


Already a Vanguard client? Log in and start your rollover.

Ready to get started?

New to Vanguard or looking to consolidate your savings?


Already a Vanguard client? Log in and start your rollover.

Still need help? Consider our advice services

Vanguard Personal Advisor Services®

Get personalized support as you strive toward your goals, no matter where you stand on your financial journey.

To get started, call us at 800-523-9447 to speak with an investment professional or click the link below.

Vanguard Digital Advisor®

Let our new online financial planner match an investment strategy to your retirement goals.

*We recommend that you consult a tax or financial advisor about your individual situation. When taking withdrawals from an IRA before age 59½, you may have to pay ordinary income tax plus a 10% federal penalty tax.

**You'll never pay taxes on withdrawals of your contributions. And you won't pay taxes on withdrawals of your earnings as long as you take them after you've reached age 59½ and owned the account for at least 5 years. The 5-year holding period for Roth IRAs starts on the earlier of: (1) the date you first contributed directly to the IRA, (2) the date you rolled over a Roth 401(k) or Roth 403(b) to the Roth IRA, or (3) the date you converted a traditional IRA to the Roth IRA. If you're under age 59½ and you have one Roth IRA that holds proceeds from multiple conversions, you're required to keep track of the 5-year holding period for each conversion separately.

***The amount you convert to a Roth IRA isn't subject to the 10% penalty that's charged on traditional IRA withdrawals taken before you reach age 59½. You may wish to consult a tax advisor about your situation.

†For the 10-year period ended September 30, 2021, 7 of 7 Vanguard money market funds, 56 of 72 Vanguard bond funds, 21 of 24 Vanguard balanced funds, and 90 of 130 Vanguard stock funds—for a total of 174 of 233 Vanguard funds—outperformed their Lipper peer-group averages. Results will vary for other time periods. Only mutual funds with a minimum 10-year history were included in the comparison. Source: Lipper, a Thomson Reuters Company. The competitive performance data shown represent past performance, which is not a guarantee of future results. View fund performance

You may wish to consult a tax advisor about your situation.

All investing is subject to risk, including the possible loss of the money you invest.

There are important factors to consider when rolling over assets to an IRA or an employer retirement plan account, or leaving assets in an employer retirement plan account. These factors include, but are not limited to, investment options in each type of account, fees and expenses, available services, potential withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and tax consequences of rolling over employer stock to an IRA.

Advice services are provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited-purpose trust company.

Vanguard Personal Advisor Services and Vanguard Digital Advisor's services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of The Vanguard Group, Inc. ("VGI"), and an affiliate of Vanguard Marketing Corporation. Neither VGI, VAI, nor its affiliates guarantee profits or protection from losses. For more information on the services, see Form CRS and the Vanguard Personal Advisor Services Brochure and Form CRS and the Vanguard Digital Advisor Brochure.