You can use the skip-level upgrade tool to upgrade to VMware Cloud Foundation 4.1.

The skip-level upgrade tool supports upgrading SDDC Manager and its services to VMware Cloud Foundation 4.1 from any of the following releases:
  • VMware Cloud Foundation 4.0
  • VMware Cloud Foundation 4.0.0.1
  • VMware Cloud Foundation 4.0.1
The process involves downloading and applying multiple upgrade bundles as part of a single task. Once SDDC Manager and its services are at the correct version for VMware Cloud Foundation4.1, you can apply updates to the other VMware Cloud Foundation components. Some components require only a single bundle to update to the latest software version:
  • vCenter Server
  • ESXi
  • NSX-T Data Center
Other components may require multiple bundles:
  • vRealize Suite components