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Planning for retirement

We can help you reach your goal

Bringing all your retirement savings to Vanguard can make your life easier—and even give you a better shot at the retirement you want.
5 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. 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 planning your retirement date to balancing multiple goals to taking Social Security.

Get your retirement plan

High-quality funds

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.

Low costs

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 get closer to retirement every day.

If you invest $50,000 or more, you'll qualify for additional services and lower costs.

See what you get as a Voyager or Flagship Services client

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.

See what you get with Vanguard Target Retirement Funds

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.††

See how investment costs will affect your retirement spending

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

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 moving money to Vanguard

Where does retirement fit into your priorities?

See how to juggle multiple financial goals

Get more from Vanguard. Call 1-800-962-5028 to speak with an investment professional.

Get more from Vanguard. Call 1-800-962-5028 to speak with an investment professional.


We're here to help

Talk with one of our investment specialists

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


Ready to start?


We're here to help

Talk with one of our investment specialists

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


Ready to start?

*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.

Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in the Target Retirement Fund is not guaranteed at any time, including on or after the target date.

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.