Answers to common account transfer questions | Vanguard (2024)

If you hold your own security certificates, you can register them in street name with Vanguard by endorsing the certificates.

Be sure to write your Vanguard Brokerage Account number on the front of the certificates in the upper-right corner.

Send your endorsed certificates by registered or certified mail to:

Vanguard Brokerage Services
5951 Luckett Court, Suite A1
El Paso, TX 79932-1882

If we receive security certificates (from you or a third party) that haven't been endorsed, you can register them in street name by completing an Irrevocable Stock or Bond Power Form for each security issuer. You can also call us at 800-992-8327 to request this form.

Important: If the registration on your security certificates doesn't match the registration on your brokerage account, you'll need to provide additional documentation.

Answers to common account transfer questions | Vanguard (2024)


How long does Vanguard take to transfer funds to a bank account? ›

You'll need to send us a secure message, including the amount you want to withdraw. We'll do the rest for you. The whole process takes around 5 working days to reach your bank account.

Should I keep money in my settlement fund Vanguard? ›

While you're not required to have a balance in your settlement fund at all times, keeping some money in the settlement fund has these advantages: You're more likely to have money to pay for purchases on the settlement date, when your account will be debited for the amount you owe.

Can you move stocks from one broker to another without selling? ›

An in-kind or ACAT transfer allows you to transfer your investments between brokers as is, meaning you don't have to sell investments and transfer the cash proceeds — you can simply move your existing investments to the new broker.

Can you withdraw money from the Vanguard settlement fund? ›

Funds available to withdraw

The money available to withdraw from your settlement fund, such as by transferring to your bank account or to another Vanguard account. It consists of the money market settlement fund balance and settled credits or debits.

How long does it take Vanguard to verify a bank account? ›

This will help us verify your identity or bank account as quickly as possible. Once you've uploaded your documents, we'll start reviewing them as soon as we can. It can take up to 5 working days. If we need any extra information, we'll contact you as soon as possible.

What is the daily transfer limit for Vanguard? ›

You may not exceed more than $2,500.00 in transactions per day. You may access your account(s) by computer by logging into digital banking and using your credentials to: Transfer funds from checking to savings. Transfer funds from savings to checking.

What happens if Vanguard goes bust? ›

The securities that underlie the funds are held by a custodian, not by Vanguard. Vanguard is paid by the funds to provide administration and other services. If Vanguard ever did go bankrupt, the funds would not be affected and would simply hire another firm to provide these services.

Is Vanguard financially stable? ›

About Vanguard

Vanguard's mission is to "take a stand for all investors, to treat them fairly, and to give them the best chance for investment success."6 It prides itself on its stability, transparency, low costs, and risk management.

Can you transfer stock to another person without paying taxes? ›

Pros and cons of gifting equities

Your gift can grow over time. You can gift existing stocks without paying capital gains tax (because you don't have to sell them). Future market gains will benefit the gift recipient. If the recipient has a low income, they may not need to pay capital gains tax when they sell.

Can you sell stock directly with transfer agent? ›

You can buy and sell shares/stock in companies for whom Computershare is the transfer agent/registrar directly through Investor Center once you have signed up for an account. Computershare charges fees for these services.

Can I sell a stock and buy another immediately? ›

Absolutely, you can buy and sell stocks within the same trading day. This dynamic strategy, known as day trading, is an integral part of the financial landscape and serves as the lifeblood for many traders.

What is the Vanguard 30 day rule? ›

Any investor transferring money out of a given fund may not transfer money back into that same fund for 30 days. Fund purchases made through payroll contributions, loan payments or rollovers, or by any other means besides an exchange will not fall under this restriction.

How long does it take to get money out of the Vanguard settlement fund? ›

When you sell funds, you'll need to wait for the trade to settle before you can withdraw the cash. This normally happens 2 to 4 working days after submitting your instruction.

What is the 30 day rule on mutual funds? ›

To discourage excessive trading and protect the interests of long-term investors, mutual funds keep a close eye on shareholders who sell shares within 30 days of purchase – called round-trip trading – or try to time the market to profit from short-term changes in a fund's NAV.

Why do Vanguard transactions take so long? ›

If you've made a payment by debit card it can take up to 4 working days. This is part of the fund dealing process while your order completes and settles, so do not worry if your deal is showing as 'pending' for a few days.

Does it cost money to transfer money from Vanguard to bank? ›

There's no charge

Vanguard doesn't charge a fee for electronic bank transfers.

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