Learn how investing with Vanguard can help you build the retirement you want and reach your goals.
We can help you reach your goal
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
84% 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.
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.††
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 may reduce 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.
We're here to help
Talk with one of our investment professionals
Call 1-855-850-6972
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
Call 1-800-962-5028
Monday through Friday
8 a.m. to 8 p.m., Eastern time
Ready to start?