Author Topic: Moving Roth IRA to Vanguard  (Read 2218 times)


  • Stubble
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Moving Roth IRA to Vanguard
« on: October 23, 2014, 01:15:03 AM »
I am going to move my Fidelity Roth IRA to a Vanguard Roth IRA.

The expense ratio for Fidelity Total Market is .10 and Vanguards Total Market ETF is .05.

I believe there is no cost for me to move it.

Does anyone know of any hiccups to watch out for?

Also, if I put emergency fund money in my Roth IRA, can I really take it out tax / penalty free?  I hear you cannot withdrawal your earnings but just your contribution tax/penalty free.  What is a safe spot, in an Roth IRA, to keep emergency fund money guaranteed?  Are money markets even 100% guaranteed in Roth IRA?

Thank You!


  • 5 O'Clock Shadow
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Re: Moving Roth IRA to Vanguard
« Reply #1 on: October 23, 2014, 06:35:43 AM »
I've just started the process of moving my traditional IRA and my Roth IRA to Vanguard.  Since I already had an after tax account with Vanguard the process only took a couple of minutes online.  money will move in 5-7 days.

You are correct that Roth contributions (not gains) may be withdrawn penalty free with the important caveat that you cannot withdraw for five years. 

La Bibliotecaria Feroz

  • Walrus Stache
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Re: Moving Roth IRA to Vanguard
« Reply #2 on: October 23, 2014, 07:01:00 AM »
You should still have a small cash emergency fund because once you take money out of your Roth, it can never go back in. You'll stay limited to the $5500 a year. So you don't want to be dipping in every time your car breaks down.

I have moved things to Vanguard with great success. The only thing is if you are married, you might need a notarized form, but that depends on what you are moving.


  • 5 O'Clock Shadow
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    • Tucson Bass Player
Re: Moving Roth IRA to Vanguard
« Reply #3 on: October 23, 2014, 07:41:07 AM »
Vanguard is the best for ETF funds by far due to the annual expense of owning the ETF. But what are the cost of buying the ETFs? You can buy the Vanguard ETFs through any broker. Cost of adding, both new money and automatic reinvestment, to your position is just as important if not more important. What are the fees?