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Changes coming soon

We're working on updates that will reflect changes made by the SECURE Act. In the meantime, some of the details on this page may not be accurate. We also recommend that you consult a qualified tax advisor about your personal situation.

Find out how Vanguard makes rollovers easy

Rollovers don't have to be complicated or time-consuming. We'll do most of the work for you.

What you can expect during the rollover process

Our friendly, knowledgeable rollover specialists are familiar with employer-sponsored plans, the financial companies that run them, and what's needed to complete a rollover. We'll help you:

Complete the paperwork

We can fill out the forms and set up a conference call with you and the financial company where your 401(k) or 403(b) savings are held.

Decide between a Roth and a traditional IRA

Not sure which type of IRA to choose? We'll explain the differences and help you decide.

Choose your new investments

The decision is yours, but we're here to make things easy and provide as much help as you need.

Ready to get started on your 401(k) rollover?

What you can expect every day as a Vanguard client

With Vanguard, you'll have access to:

Low-cost mutual funds and ETFs (exchange-traded funds)

The average Vanguard expense ratio is 83% less than the industry average.*

And you can choose from more than 200 commission-free Vanguard mutual funds and ETFs to build the portfolio you want.

Higher levels of personal assistance

As your assets grow, you can look forward to lower costs and more personalization and advice.

Start your rollover online

We're here to help

Personal Investors

Employer-plan participants