Learn how consolidating retirement accounts may simplify account management, lower costs, and help you stay focused on your retirement goals with Vanguard.
We can help you reach your goal
As retirement approaches, reviewing where your assets are held and how they’re managed may help simplify account oversight and keep you focused on your long-term savings goals.
Bringing retirement assets into one place may make it easier to monitor investments, review strategy, and manage withdrawals.
Consolidating retirement accounts may simplify account management by reducing the number of accounts you need to track and helping you maintain a clearer view of your retirement savings.
Investment costs can affect retirement savings over time, so fees and expenses are important to review when comparing accounts and investments.
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 planning your retirement date to balancing multiple goals to taking Social Security.
High-quality funds
77% of Vanguard mutual funds and ETFs (exchange-traded funds) performed better than their peer-group averages over the past 10 years.1 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 82% less than the industry’s average.2 And the less money taken out of your earnings, the more stays in your account, helping you get closer to retirement every day.
If you invest $50,000 or more, you’ll qualify for additional services and lower costs.
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—which is more important than ever now that you’re getting close to retirement.
You may need to think about becoming more conservative with your money, to lower the chance your balance will drop right before you retire. Consider investing in a target-date fund, which will automatically transition your asset mix in a way that’s tailored to your specific retirement timeline.
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 expenses by just half a percentage point could mean an extra $1,500 to spend every year in retirement.3
Easier money management
As you transition into retirement, having your money in one place means it will be much easier to see, track, and withdraw your savings on an ongoing basis.
Top questions about bringing your savings to Vanguard
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 can be an opportunity to simplify your portfolio and explore whether lower-cost investment options are available. If you’d prefer to keep certain investments you already own, some assets may be eligible to transfer through an in-kind transfer, which allows eligible securities to move between accounts without being sold. Transfer eligibility varies, and some investments may not qualify.
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.
