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Follow the step-by-step rollover process

You'll have some decisions to make, but we'll be there to help.

We hope you say, "That was easier than I thought!"

Although rollovers typically take about 2 to 3 weeks, you'll only spend about 20 to 30 minutes getting the process started. That's because once you're set up, we'll handle most of the remaining details.

A guide to your 401(k) rollover

Follow these steps to roll over your retirement savings.

Step 1

Set up your Vanguard IRA®

Call a Vanguard rollover specialist at 800-523-9442 or start the process online.

You'll need to:

Step 2

Contact the financial company holding your 401(k)

You can do this yourself or one of our rollover specialists can set up and join you in a conference call. During the call, you'll need to:

  • Find out the company's rollover requirements.
  • Ask them to make the check payable to:
    Vanguard Fiduciary Trust Company
    FBO [your name]
  • Have the check mailed to:
    Vanguard
    P.O. Box 1110
    Valley Forge, PA 19482-1110

Note: If the check is made payable to you instead of Vanguard, mail it to Vanguard within 60 days to avoid paying potential taxes and penalties on your savings. Please don't endorse the check.

Step 3

Watch for your confirmation

Once we receive the check, we'll immediately invest the money in the funds you've selected and send you a confirmation.

You may also receive a reminder to name beneficiaries for your IRA.

Start your rollover online

We're here to help

Talk to an experienced rollover specialist.

Call 800-523-9442

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

Move money into or out of your existing 401(k) at Vanguard.

Call 800-523-1188

Monday to Friday
8:30 a.m. to 9 p.m., Eastern time

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