Transfer an existing IRA to Vanguard

It's easier than you think to move an IRA from another company to Vanguard.

Expect the best from us

Partnership

High-quality funds

Over the past decade, 92% of our funds outperformed their peer-group averages.*

Low costs

On average, other companies' mutual funds are 5 times more expensive than ours.**

See the difference low costs can make

Simplicity

The time-consuming details of the transfer will be our problem, not yours. That includes completing the paperwork and keeping an eye on your money as it moves through the process.

Get started on your move to Vanguard

Call us for help

First, have handy:

  • The most recent account statement for your IRA.
  • Your Social Security number.
  • Your bank account and routing numbers.

Next, call a Vanguard transfer specialist at 800-416-5827.

Compare options

To set up your account, you'll need to:

1. Confirm if you want your savings in a Roth or a traditional IRA

Most people keep the same type of IRA. But if you want to make a change—for instance, convert a traditional IRA to a Roth IRA—we can explain your options.

2. Choose your investments

We can help. What type of investments do you want?

"I want to invest in Vanguard mutual funds."

"I'm interested in investing beyond Vanguard mutual funds."

3. Name beneficiaries for your IRA

This ensures that your savings will go to the people you choose, should something happen to you. We'll send you a reminder on how to do it.

Call the financial company holding your IRA

Move money or transfer an account

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

  • Find out the company's transfer requirements.
  • Ask them to wire your money to Vanguard.

Get detailed wiring instructions

Watch for your confirmation

Process complete

Once we receive the money, we'll immediately invest it according to your instructions and then send you a confirmation.

*For the 10-year period ended December 31, 2013, 10 of 10 Vanguard money market funds, 49 of 51 Vanguard bond funds, 17 of 18 Vanguard balanced funds, and 81 of 91 Vanguard stock funds—for a total of 157 of 170 Vanguard funds—outperformed their Lipper peer-group averages. Only 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. See the most recent performance of our funds

**Vanguard average expense ratio: 0.19%. Industry average expense ratio: 1.08%. Sources: Vanguard and Lipper, a Thomson Reuters Company, as of December 31, 2013.

You must buy and sell Vanguard ETF Shares through a broker like Vanguard Brokerage Services (we offer them commission-free) or through another broker (you may incur commissions). Trading limits, fund expenses, and minimum investments may apply. See the Vanguard Brokerage Services commission and fee schedules for details. Vanguard ETF Shares are not redeemable directly with the issuing fund other than in creation unit aggregations. Like stocks, ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than net asset value.

An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in such a fund.

All investing is subject to risk, including the possible loss of the money you invest. Bond funds are subject to the risk that an issuer will fail to make payments on time and that bond prices will decline because of rising interest rates or negative perceptions of an issuer's ability to make payments.

Vanguard Brokerage Services is a division of Vanguard Marketing Corporation, member FINRA.

Asset allocation 
The way an investment portfolio is divided among the broader asset classes of stocks, bonds, and short-term reserves. Also known as "investment mix" or "asset mix."

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