We can help you make the most of retirement
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. And more than $8.0 trillion in assets under management says a lot for that trust.*
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.
74% 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.
Our expenses and fees are among the lowest in the industry—in fact, they're 82% 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.
ETF (exchange-traded fund)
An ETF combines the diversification and professional management of a mutual fund with the trading flexibility and intraday pricing of an individual stock.
A type of investment that pools shareholder money and invests it in a variety of securities. Each investor owns shares of the fund and can buy or sell these shares at any time. Mutual funds are typically more diversified, low-cost, and convenient than investing in individual securities, and they're professionally managed.
The investment returns you accumulate on the savings in your account.
A type of mutual fund or ETF (exchange-traded fund) that seeks to track the performance of a particular market index (for example, the S&P 500 Index) by buying and holding all or a representative sample of the securities in the index, in the same proportions as their weightings in the index.
The way your account is divided among different asset classes, including stock, bond, and short-term or "cash" investments.
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.
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.††
Top questions about bringing your savings to Vanguard
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.
- 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.
A major type of asset—stocks, bonds, and short-term or "cash" investments.
Usually refers to investment risk, which is a measure of how likely it is that you could lose money in an investment. However, there are other types of risk when it comes to investing.
When investments are transferred from one financial provider to another "as is." There's no selling or buying involved and no tax consequences.
The exchange of an annuity from one insurance company to another without incurring current income taxes. To qualify, the annuity must be funded with after-tax contributions. The transaction is named after the applicable section of the Internal Revenue Code.
*As of February 28, 2022.
**For the 10-year period ended December 31, 2021, 7 of 7 Vanguard money market funds, 67 of 86 Vanguard bond funds, 21 of 24 Vanguard balanced funds, and 128 of 183 Vanguard stock funds—for a total of 223 of 300 Vanguard funds—outperformed their Lipper peer-group average. 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 expense ratio: 0.09%. Industry average expense ratio: 0.49%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2021.
††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.
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.