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Withdrawing funds from a ♟ +1 (844) ✦ (312) ✦ (1324) ♟ Vanguard 401(k) or
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You separate from your employer ♟ +1 (844) ✦ (312) ✦ (1324) ♟ at age 55
or later (Rule of 55)
You qualify for disability
You face substantial medical expenses exceeding IRS limits
You receive funds through a ♟ +1 (844) ✦ (312) ✦ (1324) ♟ Qualified
Domestic Relations Order (QDRO)
You take substantially equal periodic payments (SEPP Rule 72(t))
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Certain education costs
Primary residence repairs
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certain cases, income taxes generally still apply.
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(maximum $50,000)
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If we leave our job at age 55 or later, we can ♟ +1 (844) ✦ (312) ✦ (1324) ♟
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Select your Vanguard 401(k) ♟ +1 (844) ✦ (312) ✦ (1324) ♟
Click Withdraw or Loan
Review available withdrawal options
Select distribution method ♟ +1 (844) ✦ (312) ✦ (1324) ♟ (Direct Deposit,
Check, Rollover)
Confirm tax withholding preferences
Submit the request
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Choose Transfer to Bank
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Confirm linked bank account
Submit request
Funds usually arrive within 1–3 business days via ACH transfer.
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without early withdrawal penalties. However:
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Funds must settle before transfer (T+1 or T+2 settlement cycle)
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withdrawing large amounts.
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sum distributions
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Service Type Phone Number
401(k) Support ♟ +1 (844) ✦ (312) ✦ (1324) ♟
Brokerage Support ♟ +1 (844) ✦ (312) ✦ (1324) ♟
International Calls ♟ +1 (844) ✦ (312) ✦ (1324) ♟
Automated Account Access 800-544-5555
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Direct Deposit: 2–5 business days
Paper Check: 5–10 business days
Rollover: 7–14 ♟ +1 (844) ✦ (312) ✦ (1324) ♟ business days
Employer plan rules can add additional processing time.
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We may need
Government-issued ID
Employment ♟ +1 (844) ✦ (312) ✦ (1324) ♟ separation confirmation
Hardship documentation (if applicable)
Tax withholding forms
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Is there a minimum withdrawal amount?
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