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.
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 $6.2 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.
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.
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.††
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
1. Shouldn't I split my savings among several companies to stay diversified?
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.
2. Is moving my assets a lot of work?
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.
3. Does it cost anything?
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.
4. Can I keep the funds, stocks, and bonds I already own?
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.
5. What kinds of accounts can I move to Vanguard?
- 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.
Get more from Vanguard. Call 800-523-9447 to speak with an investment professional.
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All at a low cost
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WHERE DOES RETIREMENT FIT INTO YOUR PRIORITIES?
The way your account is divided among different asset classes, including stock, bond, and short-term or "cash" investments.
A conservative portfolio is relatively safe from investment risk (although there's no guarantee it won't lose money). Because risk and reward are related, a conservative investor can also expect returns that are, on average and over time, lower than those of someone with a moderate or aggressive portfolio.
A mutual fund intended for retirement savers that automatically rebalances and adjusts its asset mix as investors get closer to retirement. For example, a 20-year-old might invest in a target-date fund for people planning to retire around 2060. Target-date funds are professionally managed and typically diversified across asset classes and market segments.
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.
A type of investment with characteristics of both mutual funds and individual stocks. ETFs are professionally managed and typically diversified, like mutual funds, but they can be bought and sold at any point during the trading day using straightforward or sophisticated strategies.
The investment return 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.
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.
An ETF combines the diversification and professional management of a mutual fund with the trading flexibility and intraday pricing of an individual stock.