ownyourfuture.vanguard.com
Open in
urlscan Pro
2600:9000:225e:e000:2:7903:6800:93a1
Public Scan
Submitted URL: https://click.e-vanguard.com/?qs=8e80881a46e0e5520cf44b135dae52e4819015c868c3a9421ca55b64ee9b4a5e14a54dd1c7e34cea75c2c3c5b837...
Effective URL: https://ownyourfuture.vanguard.com/content/en/main/help-center.html
Submission: On March 10 via manual from US — Scanned from DE
Effective URL: https://ownyourfuture.vanguard.com/content/en/main/help-center.html
Submission: On March 10 via manual from US — Scanned from DE
Form analysis
0 forms found in the DOMText Content
Opens in a new tab 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 BEFORE YOU CONTACT US 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 turn 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. -------------------------------------------------------------------------------- Whenever you invest, there’s a chance you could lose the money. Vanguard Retirement Savings Trust is not a mutual fund. It is a collective trust available only to tax-qualified plans and their eligible participants. Investment objectives, risks, charges, expenses, and other important information should be considered carefully before investing. The collective trust mandates are managed by Vanguard Fiduciary Trust Company, a wholly owned subsidiary of The Vanguard Group, Inc. As its name suggests, a stable value investment tries to keep its share price constant. But this is not guaranteed, and it’s possible to lose money with an investment like this. Unlike bank savings accounts, this investment is not insured by the U.S. government. It’s also not insured by your employer or Vanguard. -------------------------------------------------------------------------------- CONTACT US Vanguard Participant Services® For employer-sponsored retirement plans: Monday–Friday, 8:30 a.m. to 9 p.m., Eastern time 800-523-1188 En español? Vanguard® Participant Services Lunes–Viernes, de 8:30 a.m. a 9 p.m., hora del Este 800-828-4487 Vanguard Client Services For assistance with investing outside your employer-sponsored plan: Monday–Friday, 8 a.m. to 8 p.m., Eastern time 800-662-2739 Vanguard Brokerage Services® For stocks, bonds, CDs, and non-Vanguard mutual funds: Monday–Friday, 8 a.m. to 8 p.m., Eastern time 800-992-8327 Vanguard® Participant Services 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 more 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. Find your answersOpens in a new tab CONNECT WITH US® * Opens in a new tab * Opens in a new tab * Opens in a new tab * Opens in a new tab * Opens in a new tab * Opens in a new tab Opens in a new tab ©1995-2023 The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor of the Vanguard Funds. Your use of this site signifies that you accept our terms and conditionsOpens in a new tab of use. * Privacy center * Security center * Prospectuses * Accessibility * Contact us * www.vanguard.com/espanol