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Retirement plan participants
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Retirement plan participants
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HELP CENTER

Saving for retirement comes with questions. A lot of them. But we’re here to
help
with answers to some of the most common questions we get. If the answer to your
question isn’t here, you might find what you need in Plan Rules.
Explore Plan Rules

COMMON QUESTIONS AND ANSWERS

CONTRIBUTIONS AND INVESTMENTS


HOW CAN I CHANGE HOW MUCH I SAVE?

It’s easy! Simply log in to your account and select the Manage my money tab.
Then select Contributions.

Also, Plan rules has a lot of information about how to save money in your plan.
You can find the rules in the Explore tab under Plan Details.


HOW DO I ENROLL IN MY PLAN?

You can learn how to enroll in your plan—and everything else about
enrolling—in Plan Rules. You can find these rules in the Explore tab under Plan
Details.

Remember, you must be logged in to see your plan rules.


I’M BEING AUTOMATICALLY ENROLLED IN MY PLAN. HOW CAN I MAKE CHANGES?

If your plan allows you to change automatic enrollment settings, such as
contributions or investments, you can find that information in Plan Rules. You
can find these rules in the Explore tab under Plan Details.

Remember, you must be logged in to see your plan rules.


HOW CAN I CHANGE HOW MY CONTRIBUTIONS ARE INVESTED?

To change how your contributions are invested, first log in to your account.
Then select the Manage my money tab and click Investments. From there, scroll
down and click change how my money is invested.


HOW CAN I INCREASE MY CONTRIBUTIONS AUTOMATICALLY?

If your plan allows, you can automatically increase how much you save each year.
That means your paycheck contribution will automatically go up by a certain
amount every year at a time that you set.

You can learn more about saving money in your retirement account in Plan Rules.
You can find these rules in the Explore tab under Plan Details.

Remember, you must be logged in to see your plan rules.

LOANS AND WITHDRAWALS


HOW DO I TAKE MONEY OUT OF MY PLAN?

Log in to your account and select the Access my money tab on your homepage. Then
select Loans and withdrawals. 

You can see the types of loans you can take, decide how much to withdraw, and
get started.

You can also find a lot of useful information about taking money out of your
retirement savings in Plan Rules. You can find these rules in the Explore tab
under Plan Details.

Remember, you must be logged in to see your plan rules.


HOW MUCH CAN I BORROW?

The IRS limits how much money you can take out for a loan.

You can borrow up to $50,000 or half your vested account balance, whichever is
less.

However, if you’ve had a loan at any time during the past 12 months, the amount
you can borrow is reduced by the difference between your highest loan balance
over the past 12 months and your loan balance on the date your new loan is made.

You can learn more about loans in Plan Rules. You can find these rules in
the Explore tab under Plan Details.

Remember, you must be logged in to see your plan rules.

MY PLAN


WHAT ARE MY PLAN’S RULES?

Learn everything about your plan, including how to save, invest, and withdraw
your money, in Plan Rules.

You can find these rules in the Explore tab under Plan Details.

Remember, you must be logged in to see your plan rules.


HOW DO I ROLL OVER MONEY INTO MY PLAN?

If your plan allows, you can add money from another retirement account to your
plan account. This is called a rollover.

You can get started on your rollover when you log in to your account and hover
over Manage my money and click Transfer money in.


You can learn more about rollovers in Plan Rules. You can find these rules in
the Explore tab under Plan Details.

Remember, you must be logged in to see your plan rules.


WHERE CAN I LEARN MORE ABOUT MAKING ROTH CONTRIBUTIONS?

Roth after-tax contributions are offered by some plans to participants who meet
certain criteria. You pay the tax on the money before it goes into your account,
which means you can withdraw your money tax-free.*

 

You can learn more about Roth contributions in our online education lesson What
can Roth contributions do for me.Opens in a new tab

*Taxes: Taking money from your retirement account can affect how much you’ll
have to pay in taxes. You’ll owe taxes on pre-tax money. You won’t owe taxes on
Roth earnings as long as you are age 59½ or older and it’s been at least five
years since your first Roth contribution. If required by law, Vanguard will
withhold some taxes for you. You may need to pay a 10% federal penalty tax if
you take money out early.

MY ACCOUNT


WHEN WILL MY TRANSACTION BE PROCESSED?

Transactions are processed after the New York Stock Exchange (NYSE) closes for
the day. Each fund’s price (or net asset value) is calculated daily after the
NYSE closes.

If your transaction is made before the close of the NYSE, it will receive a
trade date of that day. If your transaction is made after the close, it will
receive the following business day’s date.


I FORGOT MY USERNAME OR PASSWORD. WHAT CAN I DO?

First, don’t panic! If you try to log in with a wrong password or username, you
can easily reset them.

We’ll ask you a series of security questions to verify that you are who you say
you are, and ask you to create a new username and password.

For additional verification, we’ll either text or call you (your choice) with
two security codes: one when you create your new username or password, and
another when you log in with your new credentials.

TAXES AND FEES


WHAT ARE THE TAX IMPLICATIONS IF I TAKE OUT MONEY BEFORE AGE 59½?

Usually, you will be charged a 10% federal tax penalty if you make a withdrawal
before you reach age 59½. That’s on top of any income tax you may owe.


WHERE CAN I FIND MY TAX FORMS?

Tax forms, when available, are under the Manage my money tab on your homepage.
To find them, select Transaction history, statements, & taxes.

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Whenever you invest, there’s a chance you could lose the money. 

 

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CONTACT US

Retirement plan participants

Are you enrolled in an employer retirement plan (for example, a 401(k), 403(b),
pension, or other defined benefit, defined contribution, employer-sponsored or
non-qualified plan)?

Our Client Services team is available Monday through Friday, 8:30 a.m. to 9
p.m., Eastern time

Call 800-523-1188

Retirement plan participants site


En español? Retirement plan participants

Lunes–Viernes, de 8:30 a.m. a 9 p.m., hora del Este 

800-828-4487


Personal investors

Are you a Vanguard personal investor (a general brokerage, IRA, or small
business investor) or looking for information about Vanguard and our services?

Our Client Services team is available Monday through Friday, 8 a.m. to 8 p.m.,
Eastern time

Call 877-662-7447

Support Center—FAQs, tutorials, and more

Personal investors site


Retirement plan participants text telephone

For the hearing-impaired:

800-523-8004



CONTACT US BY MAIL

USPS mail:

Vanguard

Attn: DC

PO Box 982902

El Paso, TX 79998-2902


Overnight mail:
Vanguard

Attn: DC

5951 Luckett Court Suite A2

El Paso, TX 79932

More answers to your questions about your money

There’s retirement planning, and then there’s day-to-day financial planning. For
either kind, our online lessons will make sure you know your stuff.

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