Follow the step-by-step rollover process

You'll have some decisions to make, but we'll be there to help.

We hope you say, "That was easier than I thought!"

Although rollovers typically take about 2 to 3 weeks, you'll only spend about 20 to 30 minutes to get the process started. That's because, once you're set up, we'll handle most of the remaining details.

A guide to your 401(k) rollover

Follow these steps to roll over your retirement savings.

Vanguard IRA

Step 1

Set up your Vanguard IRA®

Call a Vanguard rollover specialist at 800-523-9442 or start the process online.

You'll need to:

Pick a type of IRA for your rollover 
Choose investments for your rollover IRA
Call your 401k provider

Step 2

Call the financial company holding your 401(k) savings

You can do this yourself or one of our rollover specialists can set up and join you in a conference call. During the call, you'll need to:

  • Find out the company's rollover requirements.
  • Ask them to cut a check made payable to:
    Vanguard Fiduciary Trust Company
    FBO [your name]
  • Have them mail the check to:
    P.O. Box 1110
    Valley Forge, PA 19482-1110

Note: If the check is sent to you instead of directly to Vanguard, be sure to mail it to Vanguard within 60 days to avoid paying potential taxes and penalties on your savings. Please don't endorse the check.

Process complete

Step 3

Watch for your confirmation

Once we receive the check, we'll immediately invest the money in the funds you've selected and send you a confirmation.

You may also receive a reminder to name beneficiaries for your IRA.

All investing is subject to risk, including the possible loss of the money you invest.

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