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What's the difference between an account transfer and a rollover?

There's often confusion about which one to use. It all hinges on where your money's coming from.

Initiate an account transfer to move money from an IRA or other account held at another company into a new or existing IRA or other Vanguard account.

Initiate a rollover to move money from an employer-sponsored plan, such as a 401(k) or 403(b), into a new or existing Vanguard IRA®.