investor.vanguard.com Open in urlscan Pro
2.18.64.13  Public Scan

Form analysis
0 forms found in the DOM

Text Content

STUCK MAKING JUST CENTS ON YOUR SAVINGS?

Earn a competitive APY with the Vanguard Cash Plus Account—that makes more
sense.

 

The Vanguard Cash Plus program APY (annual percentage yield) is 3.90% as of
November 8, 2024. The APY will vary and may change at any time. Source for
average bank savings yield of 0.45%: FDIC National Rates and Rate Caps as of
October 21, 2024.

Learn more


YOU DESERVE INVESTING ADVICE FROM A TRUE PARTNER

Vanguard advisory services are here to help at every step—from your first
investment through retirement.

Compare services


EDUCATIONAL RESOURCES AT YOUR FINGERTIPS

Tap into a brighter future.

Learn more
Pause Play Previous
 1. (1)
 2. (2)
 3. (3)

Next


INVESTING FOR EVERYTHING IT'S WORTH

Whether you're saving for smaller moments or the big ones — we're here for you.

Log in
Open an account

Set up online account access

Set up online account access


GUIDING YOU ON YOUR JOURNEY


DO IT ON YOUR OWN

Ready to plan your financial future? We have what you need to be a successful
DIY investor.

Invest on your own


EXPLORE PROFESSIONAL ADVICE

We offer expert help at the low cost you’d expect from Vanguard.

Compare advice options


WORLD-CLASS WEALTH MANAGEMENT

Available to clients with $5 million in Vanguard funds and ETFs.

Explore our suite of services


YOU'RE IN GOOD COMPANY.

Vanguard is made up of more than 50 million investors, all with unique stories
and individual goals.

See why we're different

Play Video

View transcript

The world of investing can seem vast and overwhelming if you haven’t been a part
of it before.

But if you take things one step at a time, you can make a plan that’ll get you
started on the right path toward your financial goals.

First, it’s important to decide what those goals are. Maybe you want to save for
retirement. Or college. Or scuba diving in Fiji. Or maybe you just want to save
more in general.

Once you have those goalposts in mind, that’s what will determine the kind of
account you should open. Think IRAs for retirement, 529s for college savings,
and individual or joint accounts for general savings.

Once you’ve settled on an account type for your journey, it’s time to pack your
bags—in other words, you’ll need to choose what kinds of investments to hold in
your account to give your money the best chance to grow over time. There are
three kinds of assets you can invest in: stocks, bonds, and cash. You can—and
should—mix and match them. That’s called diversification, and it’s important for
managing risk.

First, let’s talk about stocks. When you buy a stock, you own a piece of a
company and its profits. Stocks have high growth potential, but with that comes
high risk, so you’ll want to balance stock purchases out with less risky ones,
like …

Bonds. Bonds are loans where you’re the creditor. You lend money to the bond
issuer in exchange for repayment with interest by a certain date. We consider
them moderate-risk investments.

And finally, there’s cash. Cash in your portfolio can preserve the value of your
money when you’re saving for short-term goals. It carries the least risk when it
comes to losing money, but there’s also not much potential for growth.

We think the best portfolios strike a balance between risk and reward. Now that
you know about the different kinds of investments, you can get moving on those
goals you set. And you can start asking yourself questions like: When do I want
to retire? How soon do I want to be face-to-face with those sea turtles in Fiji?
That will help you decide on a timeline for investing—and what your approach
will be.

Still have questions about getting started with investing? We’re here to help.
Visit us on the web at vanguard.com/gettingstarted.

All investing is subject to risk, including the possible loss of the money you
invest. Diversification does not ensure a profit or protect against a loss.
Investments in bonds are subject to interest rate, credit, and inflation risk.
@2021 The Vanguard Group, Inc. All rights reserved.


KNOW EXACTLY WHAT YOU’RE LOOKING FOR?

Explore our great ETF & mutual fund options.

Shop our products


YOU’RE NOT ALONE

Vanguard investors just like you have lots of experiences to share.
 1. Manage debt
 2. Save more
 3. Plan your legacy
 4. Retire


I'm taking control of my debt, and my life.
Play Video

View transcript

Planning helps me save—for the big and little things.
Play Video

View transcript

We want to give our grandchildren the gift of financial security.
Play Video

View transcript

My future is worth planning for.
Play Video

View transcript

You’re not alone
Vanguard investors just like you have lots of experiences to share.
I'm taking control of my debt, and my life.
Play Video

View transcript

Manage debt
Planning helps me save—for the big and little things.
Play Video

View transcript

Save more
We want to give our grandchildren the gift of financial security.
Play Video

View transcript

Plan your legacy
My future is worth planning for.
Play Video

View transcript

Retire
Pause Play Previous
 1. Manage debt
 2. Save more
 3. Plan your legacy
 4. Retire

Next

Once my debt is behind me, the rest of my life can finally come into focus.

Today my daughter told me she wants to buy a robot unicorn. I told her we can
save up for that.

We want to pass down our love, our laughter, and our legacy.

Family time means everything to me. My life won't get smaller when I retire, but
it will get a lot more beautiful.


A TRACK RECORD OF STRONG FUND PERFORMANCE


 1. Money market
 2. Bond
 3. Balanced
 4. Stock

Our funds are crafted with you in mind to help you reach your goals of
investment success. Over the last 10 years we have had a history of strong
performance.1





A track record of strong fund performance
Money market
Bond
Balanced
Stock
Pause Play Previous
 1. Money market
 2. Bond
 3. Balanced
 4. Stock

Next

Our funds are crafted with you in mind to help you reach your goals of
investment success. Over the last 10 years we have had a history of strong
performance.1


EXPLORE OUR RESOURCES TO LEARN HOW TO GROW YOUR WEALTH AND REACH YOUR GOALS.


PERSPECTIVES

New to investing and need a hand?

See all perspectives

Popular in perspectives

Getting started with investing
Turn your goal into an investment plan
Market volatility and you


TOOLS

Use our tools to help you build a plan to meet your investing goals.

See all tools

Popular in tools

Retirement income calculator
Retirement expenses worksheet
College savings planner

1For the 10-year period ended September 30, 2024, 6 of 6 Vanguard money market
funds, 82 of 98 Vanguard bond funds, 21 of 23 Vanguard balanced funds, and 168
of 189 Vanguard stock funds—for a total of 277 of 316 Vanguard
funds—outperformed their Lipper peer-group averages. Results will vary for other
time periods. Only mutual funds with a minimum 10-year history were included in
the comparison. Source: Lipper, a Thomson Reuters Company. The competitive
performance data shown represent past performance, which is not a guarantee of
future results. View fund performance.

For more information about Vanguard funds or ETFs, visit vanguard.com to obtain
a prospectus or, if available, a summary prospectus. Investment objectives,
risks, charges, expenses, and other important information about a fund are
contained in the prospectus; read and consider it carefully before investing.

All investing is subject to risk, including the possible loss of the money you
invest.

Vanguard is owned by its funds, which are owned by Vanguard's fund shareholder
clients. Our retail direct investment advisory strategies, in turn, are built on
core investments in the Vanguard funds.

Vanguard's advice services are provided by Vanguard Advisers, Inc. ("VAI"), a
registered investment advisor, or by Vanguard National Trust Company ("VNTC"), a
federally chartered, limited-purpose trust company.

The services provided to clients will vary based upon the service selected,
including management, fees, eligibility, and access to an advisor. Find VAI's
Form CRS and each program's advisory brochure here for an overview.

VAI and VNTC are subsidiaries of the Vanguard Group Inc. and affiliates of
Vanguard Marketing Corporation. Neither VAI, VNTC nor its affiliates guarantee
profits or protection from losses.

Research our firm with FINRA's BrokerCheck.

Investment Adviser Form Client Relationship Summary (Form CRS) (PDF)

Broker-Dealer Form Client Relationship Summary (Form CRS) (PDF)




YOUR PRIVACY




 * YOUR PRIVACY


 * STRICTLY NECESSARY COOKIES


 * PERFORMANCE COOKIES


 * FUNCTIONAL COOKIES


 * TARGETING COOKIES

YOUR PRIVACY

When you visit any website, it may store or retrieve information on your
browser, mostly in the form of cookies. This information might be about you,
your preferences or your device and is mostly used to make the site work as you
expect it to. The information does not usually directly identify you, but it can
give you a more personalized web experience. Because we respect your right to
privacy, you can choose to set some types of cookies to “Off.” However, setting
cookies to “Off” may impact your experience on the site and the services we are
able to offer. Click on the different category headings to find out more and to
change your default settings, where possible. Clearing cookies on your device
will delete your preferences. To learn more, view the Vanguard Privacy Center.

STRICTLY NECESSARY COOKIES

Always on

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms. You can set your browser to block
or alert you about these cookies, but some parts of the site will not then work.

PERFORMANCE COOKIES

Performance cookies On


These cookies allow us to count visits and traffic sources so we can measure and
improve the performance of our site. They help us to know which pages are the
most and least popular and see how visitors move around the site. All
information these cookies collect is aggregated and therefore anonymous. If you
do not allow these cookies, we will not know when you have visited our site and
will not be able to monitor its performance. To manage Performance cookies on
our website, move the toggle to the right to turn them on or move the toggle to
the left to turn them off. Then be sure to click the “Confirm my choices” button
to save your preferences. If you click the “Accept all cookies” button, all
cookie types will be set to “On.”

FUNCTIONAL COOKIES

Functional cookies On


These cookies enable the website to provide enhanced functionality and
personalization. They may be set by us or by third-party providers whose
services we have added to our pages. If you do not allow these cookies, then
some or all of these services may not function properly. To manage Functional
cookies on our website, move the toggle to the right to turn them on or move the
toggle to the left to turn them off. Then be sure to click the “Confirm my
choices” button to save your preferences. If you click the “Accept all cookies”
button, all cookie types will be set to “On.”

TARGETING COOKIES

Targeting cookies On


These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant advertisements on other sites. They do not store directly personal
information but are based on uniquely identifying your browser and internet
device. If you do not allow these cookies, you will experience less targeted
advertising. To manage Targeting cookies on our website, move the toggle to the
right to turn them on or move the toggle to the left to turn them off. Then be
sure to click the “Confirm my choices” button to save your preferences. If you
click the “Accept all cookies” button, all cookie types will be set to “On.”

Back Button


COOKIE LIST

Filter Button
Consent Leg.Interest
checkbox label label
checkbox label label
checkbox label label

Clear
checkbox label label
Apply Cancel
Confirm my choices
Accept all cookies