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If you know what you want to do right now, Vanguard can help you get started.

Rollover your money to an IRA

A rollover to an IRA can keep your money working hard for you. Vanguard can help you get started on your rollover to an IRA —and every step of the way. Our experienced retirement specialists can help open your account, complete forms, and even call your plan, if necessary.

Rollovers »

Set up your withdraw plan

If you're like most retirees or soon-to-be retirees, you're concerned about maintaining a steady income and making your savings last. You can use your savings to create an income stream and preserve your savings through a conservative approach to spending. Follow our retirement income checklist to help you get started.

Retirement income plan »

Shop for a fixed income annuity

You can create a steady stream of income with a fixed income annuity. A fixed income annuity involves a contract between you and an insurance provider.

In exchange for your upfront payment, the insurance company guarantees you a steady stream of payments for life or for a specified number of years (guarantees are subject to the claims-paying ability of the insurance company). Vanguard makes it easy to shop for an annuity with Vanguard Annuity Access™ in collaboration with the Income Solutions® platform. Through this service, you can get quotes from multiple well-known insurance companies in just minutes.

Annuities for income »

Learn about Vanguard Managed Payout Funds

Our managed payout funds are designed to provide regular monthly payments without exhausting capital. Many income-generating options in retirement require that you set up your own payment schedule or rebalance your investments. Vanguard Managed Payout Funds automatically schedule your monthly payments each year.

Vanguard Managed Payout Funds »

Vanguard Annuity Access is offered in collaboration with Hueler Investment Services, Inc., through the Income Solutions platform. Income Solutions is a registered trademark of Hueler Investment Services, Inc., and used under license. United States Patent No. 7,653,560. Vanguard Annuity Access is provided by Vanguard Marketing Corporation, d/b/a VMC Insurance Services in California.

The dollar amount of a managed payout fund's monthly cash distributions could go up or down substantially from one year to the next and over time. Each fund is expected to continue to make monthly cash distributions under its managed distribution policy irrespective of the fund's investment performance. A fund's monthly cash distributions will reduce the amount of assets available for investment by the fund. It is possible for a fund to suffer substantial investment losses and simultaneously experience additional asset reductions as a result of its distributions to shareholders under the managed distribution policy. Moreover, even if a fund's capital grows over short, intermediate, or long periods of time, it is possible that such growth will be insufficient to enable the fund to maintain the amount of its scheduled cash distributions without returning capital to shareholders. Each fund is subject to the risks associated with its underlying funds, which may invest in stocks (including stocks issued by REITs), bonds, cash, inflation-linked investments, and long/short market-neutral investments, and its other investment holdings, which may include commodity-linked investments and leveraged absolute return investments. Diversification does not necessarily ensure a profit or protect against a loss in a declining market.

The funds' monthly distributions per share are calculated as of January 1 of that year and are generally expected to be fixed during the year.

Vanguard Managed Payout Funds may not be appropriate for all investors. For example, depending on the time horizon, retirement income needs, and tax bracket, an investment in a Managed Payout Fund might not be appropriate for younger investors not currently in retirement, in IRAs or other tax-advantaged accounts for those investors under 59½, or for participants in employer-sponsored plans. Investors who hold a Managed Payout Fund within a tax-advantaged retirement account should consult their tax advisors to discuss tax consequences that could result if payments are distributed from their core account prior to age 59½ or if they plan to use the Managed Payout Funds, in whole or in part, to meet their required minimum distribution (RMD) obligations. Distributions from the Managed Payout Funds are unlikely to precisely match an investor's IRA RMD obligations. In addition, use of the Managed Payout Funds may be restricted in employer-sponsored plans by the terms of the governing plan documents and/or at the discretion of the plan administrator. Review the information carefully with your financial advisor before deciding whether a Managed Payout Fund is right for you.

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