<prompt> Human: Long time reader, first time poster.I am trying to rollover a 401k from an old employer to Vanguard and had some questions about the process. I have tried calling twice and after being on hold for 30 minutes I gave up. Is this typical of their service?While I am here, I will ask my questions in case some one has some answers.How does the process actually work? I know I am not supposed to touch the money. Is it I open an account wherever, contact the 401k administrator and have it transferred?Once in the Vanguard account, is the a minimum balance to avoid fees? I tried looking on the website, but couldnt find itIs there a penalty after a period of time of not investing the money? I am thinking about transferring and then waiting a bit for the market to cool-off, I think its too high right now. Is there a penalty for that at Vanguard?Lastly, are there transaction fees on mutual funds? I found the fees for ETFs and stocks, but couldnt find information on mutual funds.  <response>: I rarely need to call Vanguard, but the three times I can think of, I was not on hold for long and the associates were quite helpful. 