Move money

Transfer your account

Do you have accounts across multiple financial institutions? You can treat yourself to the benefits of consolidation by transferring your assets to one location.

Learn how to transfer

What is a transfer?

A transfer is moving assets from an IRA or non-retirement account held at another company into a new or existing investment account at Vanguard.

Looking to move a 401(k) or 403(b) instead

Transfer an IRA

You can continue to have your retirement assets grow in a tax-advantaged account. Move your traditional, SEP-, inherited, or Roth IRA from another company to Vanguard.

Transfer a nonretirement account

You can explore the wide variety of mutual funds and ETFs (exchange-traded funds) we offer. Move your taxable investing account, such as a general investing account or a trust account, to Vanguard.

Transfer a custodial account (UGMA/UTMA)

You can choose from a variety of funds when you move your custodial UGMA/UTMA account to Vanguard.

Not sure how to transfer your assets?

Most account transfers are convenient to do online. Follow the 3 easy steps in our guide to learn more about account transfers and get started.

Learn how

Why choose Vanguard?

View your assets under one login

Make it easier to keep your portfolio balanced and diversified when you consolidate with one company that offers a broad range of investment choices.

Know that we put you first

We’re unique. Our 30 million investors own the funds that own our company, so your goals are our goals.

Easily share with loved ones

Keep your family more informed and protect your heirs from a financial scavenger hunt.

Save on taxes and fees

Vanguard doesn’t charge fees for you to transfer to us. We also transfer in kind, which means the transfer won't be a taxable event since you aren’t buying or selling any investments.

Learn more about transfers 

Still have more questions about how to transfer your assets to Vanguard?

Transfer FAQs

Ready to get started?

New to Vanguard and looking to consolidate your savings?

Open and transfer accounts

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

Log in
Ready to get started?

New to Vanguard or looking to consolidate your savings?

Open an account

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

Log in

Still need help? Consider our advisor 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.

Partner with an advisor

Vanguard Digital Advisor®

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

Give Digital Advisor a try

All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.

Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.

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.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.

The services provided to clients who elect to receive ongoing advice will vary based upon the amount of assets in a portfolio. Please review Form CRS and the Vanguard Personal Advisor Services Brochure (PDF) for important details about the service, including its asset-based service levels and fee breakpoints.

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, including acceptable reasonable restrictions to place on your investment strategy, please review Form CRS and the Vanguard Digital Advisor Brochure (PDF).

There are important factors to consider when rolling over assets to an IRA. 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.