Yes. If you own certain Vanguard index mutual funds, you may be able to convert them into ETF shares—often in a tax-free transaction—if the process is completed while your assets are held at Vanguard. This can make transferring those assets to M1 easier, as ETFs can generally be moved via the ACATS process.
How to convert Vanguard mutual funds to ETFs
Initiate the conversion at Vanguard
Contact Vanguard to begin your conversion request
Note:
Minimum amounts or share class requirements may apply.
Some mutual funds, especially actively-managed or non-index funds, are not eligible.
Only full shares can typically be converted; fractional shares may need to be sold.
How to transfer ETFs to M1
Once your mutual funds have been converted to ETFs and the shares are held at Vanguard:
Open or log in to your M1 account.
Start your ACATS transfer within M1 by selecting “Move Money” → “Transfer from another brokerage.”
Choose “Vanguard” as your firm.
Follow the prompts, enter your Vanguard account details, and specify the ETF holdings for transfer.
Asset class categories: Vanguard mutual fund to ETF conversion reference
Vanguard’s major index mutual funds and their ETF equivalents are illustrated below by asset class for quicker reference.
Not all mutual funds/fund classes below may be eligible; check with Vanguard for your specific holdings.
U.S. Total Market & Large Cap
Mutual Fund Name | Investor/Admiral Shares | ETF Ticker |
Vanguard Total Stock Market | VTSMX/VTSAX | VTI |
Vanguard S&P 500 | VFINX/VFIAX | VOO |
Vanguard Value | VIVAX/VVIAX | VTV |
Vanguard Growth | VIGRX/VIGAX | VUG |
Vanguard Large-Cap | VLACX/VLCAX | VV |
U.S. Mid & Small Cap
Mutual Fund Name | Investor/Admiral Shares | ETF Ticker |
Vanguard Mid-Cap | VIMSX/VIMAX | VO |
Vanguard Mid-Cap Value | VMVIX/VMVAX | VOE |
Vanguard Mid-Cap Growth | VMGIX/VMGMX | VOT |
Vanguard Small-Cap | NAESX/VSMAX | VB |
Vanguard Small-Cap Growth | VSGAX/VSGAX | VBK |
Vanguard Small-Cap Value | VISVX/VSIAX | VBR |
Vanguard Extended Market | VEXMX/VEXAX | VXF |
International Stock
Mutual Fund Name | Investor/Admiral Shares | ETF Ticker |
Vanguard Developed Markets | VTMGX | VEA |
Vanguard Total International Stock | VGTSX/VTIAX | VXUS |
Vanguard European Stock | VEURX/VEUSX | VGK |
Vanguard Pacific Stock | VPACX/VPADX | VPL |
Vanguard Emerging Markets Stock | VEIEX/VEMAX | VWO |
Vanguard FTSE All-World ex-US | VFWIX/VFWAX | VEU |
Vanguard Total World Stock | VTWSX | VT |
US Bond & Fixed Income
Mutual Fund Name | Admiral Shares | ETF Ticker |
Vanguard Total Bond Market | VBTLX | BND |
Vanguard Short-Term Bond | VBIRX | BSV |
Vanguard Intermediate-Term Bond | VBILX | BIV |
Vanguard Long-Term Bond | VBLTX | BLV |
Vanguard Short-Term Inflation-Protected | VTAPX | VTIP |
Vanguard Tax-Exempt Bond | VTEAX | VTEB |
Vanguard Mortgage-Backed Securities | VMBSX | VMBS |
International Bonds
Mutual Fund Name | Admiral Shares | ETF Ticker |
Total International Bond | VTABX | BNDX |
Emerging Markets Government Bond | VGAVX | VWOB |
US Sector ETFs
Sector index funds and ETF tickers:
Health Care: VHT
Financials: VFH
Information Technology: VGT
Consumer Discretionary: VCR
Consumer Staples: VDC
Utilities: VPU
REIT: VNQ
Energy: VDE
Industrials: VIS
Telecommunications: VOX
Potential limitations/requirements
Mutual fund-ETF conversions are only permitted at Vanguard.
May require a minimum investment or specific share class (typically Admiral Shares).
Ineligible funds and share classes must be sold to cash (may be taxable in order to be transferred to M1).
Fractional mutual fund shares cannot be converted; will be liquidated.
Frequently asked questions
How long does the mutual fund to ETF conversion take?
Typically 3–7 business days from your request at Vanguard.
What if my mutual fund is not listed or is not eligible?
Contact Vanguard to confirm eligibility. If not eligible, selling and buying an ETF equivalent is an option (taxable if done outside an IRA).
For more guidance, Contact M1 Client Success
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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