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Retirement

We can help you make the most of retirement

Bringing all your retirement savings to Vanguard can make your life easier—and even give you a better chance at making your money last.
7 minute read

Why choose Vanguard?

A company you can count on

Vanguard's been meeting investors' needs since 1975. The company you trust with your money today will be the same company serving you tomorrow.
 

Personal, professional advice that can save you time and worry

We know how hard you've worked for your savings, and we want you to make the most of them. A personal advisor from Vanguard can guide you on everything from your investments to taxes to Social Security.

See how we can help you make your retirement savings last
 

High-quality funds

85% of Vanguard mutual funds and ETFs (exchange-traded funds) performed better than their peer-group averages over the past 10 years.* Our competitive performance is one reason our funds so often appear on "best of" lists.

 

Low costs

Our expenses and fees are among the lowest in the industry—in fact, they're 83% less than the industry's average.† And the less money taken out of your earnings, the more stays in your account, helping you live the retirement you want.
 

Top fund managers

Our in-house management teams have the experience and expertise you'd expect from the company that launched the first index fund for everyday investors. And we complement them with portfolio managers from around the world, chosen for their skills in specific areas of the market.

How you benefit from moving your money to one place

A clearer investment strategy

Combining your savings at one financial provider is a good opportunity to make sure you have an appropriate asset mix—one that will balance your need for stability with continued account growth that will carry you through retirement.
 

A simpler way to manage your money

Keeping track of multiple statements, websites, and phone numbers is always a little time-consuming. Now that you're retired, ensuring that you're withdrawing money from multiple accounts in the most tax-efficient way will be even trickier if you can't see a full picture of your assets.
 

Lower expenses

Moving your money to one account could give you a chance to lower your investment costs.

The larger your nest egg, the more costs eat away at your savings. If you've saved $500,000 at the time you retire, cutting your investment expenses by just half a percentage point could mean an extra $1,500 to spend every year in retirement.††

See how investment costs affect your retirement spending

Top questions about bringing your savings to Vanguard

It's true that spreading your money over different asset classes reduces your risk. Some people think that splitting money between companies also reduces your risk—in case one company goes bankrupt.

But that's not true in Vanguard's case. Vanguard (the company) is actually owned by the Vanguard mutual funds and ETFs.

Each fund also owns the individual securities (stocks and bonds, for example) that make up the fund, and there's no way for a fund to go bankrupt unless every security simultaneously loses all value (an event that would reach far beyond Vanguard if it were to occur).

The securities that underlie the funds are held by a custodian, not by Vanguard. Vanguard is paid by the funds to provide administration and other services. If Vanguard ever did go bankrupt, the funds would not be affected and would simply hire another firm to provide these services.

No! Many transfers can be initiated online in just a few minutes, and you can call us if you have questions. In some cases, we can even complete the paperwork for you.

We don't charge any fees to roll over or transfer accounts. Check with the company currently holding your account to find out if it has any transfer fees or requirements.

Moving money is a great time to streamline your portfolio and see whether lower-cost investments are available. But if you want to keep the investments you already own, you can do that too, through an in-kind transfer.

You can:

  • Roll over 401(k) and 403(b) accounts.
  • Transfer IRAs or taxable accounts.
  • Bring over stocks, bonds, mutual funds, ETFs, and other securities.
  • Transfer a variable annuity through a 1035 exchange.

Learn more about rollovers

Learn more about how to transfer an account

We can help you bring your money to Vanguard

Learn more about rollovers

Learn more about how to transfer an account


We're here to help

Talk with one of our investment professionals

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



We're here to help

Talk with one of our investment professionals

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


Get more from Vanguard. Call 1-855-850-6972 to speak with an investment professional.

*For the 10-year period ended June 30, 2023, 6 of 6 Vanguard money market funds, 84 of 96 Vanguard bond funds, 20 of 23 Vanguard balanced funds, and 153 of 184 Vanguard stock funds—for a total of 263 of 309 Vanguard funds—outperformed their Lipper peer-group averages. Results will vary for other time periods. Only mutual funds and ETFs (exchange-traded 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

†Vanguard average ETF and mutual fund expense ratio: 0.08%. Industry average ETF and mutual fund expense ratio: 0.47%. All averages are asset-weighted. Industry average excludes Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2022.

††This hypothetical example assumes a 6% rate of return, a 4% inflation rate, that expense ratios are cut from 0.80% to 0.30%, that withdrawals are adjusted for inflation, and that the entire portfolio is liquidated over 35 years.
 

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

Vanguard's advice services are provided by Vanguard Advisers, Inc. ("VAI"), a registered investment advisor, or by Vanguard National Trust Company ("VNTC"), a federally chartered, limited-purpose trust company.

The services provided to clients will vary based upon the service selected, including management, fees, eligibility, and access to an advisor. Find VAI's Form CRS and each program's advisory brochure here for an overview.

VAI and VNTC are subsidiaries of The Vanguard Group, Inc., and affiliates of Vanguard Marketing Corporation. Neither VAI, VNTC, nor its affiliates guarantee profits or protection from losses.