How to convert to a Roth IRA online
You can convert a Vanguard traditional IRA to a Vanguard Roth IRA in a few easy steps.
Before you get started
Please be aware that you'll owe taxes on any pre-tax traditional IRA contributions you convert.
If you already have a Vanguard Roth IRA
The steps you follow depend on what types of accounts you have and the types of investments you want to convert.
Convert only Vanguard mutual funds from your traditional IRA
Convert investments from your traditional IRA brokerage account
If you hold ETFs (exchange-traded funds), individual stocks and bonds, or other investments in a Vanguard traditional IRA brokerage account …
Then locate the traditional IRA you want to convert and click Convert to Roth IRA.
If you want to open a new Roth IRA
You need to have a Vanguard Roth IRA already set up in order to receive converted assets. So there are a few extra steps.
When asked to select your funding method, choose Exchange and then follow the remaining instructions.
If there's more than one Vanguard mutual fund in your traditional IRA, you can only exchange one fund when you first open the Roth IRA. Once the account is set up, you can exchange the remaining funds by following the instructions in the section above.
Is your traditional IRA at another company?
Move it to Vanguard first and then return to the steps above.
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