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Let Vanguard help you pave your road to retirement

Selecting an investment provider can be difficult. With Vanguard, your needs are our number one priority.

Choose trust & experience

We've been helping employees reach their retirement goals through a variety of plans—IRAs, 401(k) plans, and of course, 403(b) plans.

With Vanguard 403(b) Services, you can build for your future through low-cost mutual funds and an easy-to-manage plan that offers premier services.

How to get started with your plan

Read the descriptions and select the option that applies to you.

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Fill out an application

Your plan sponsor has established your company's plan, but we don't have any information about you, such as your name, address, and Social Security number. Please complete the online application.

Your plan sponsor has established your company's plan and has set up your individual account. If you haven't already done so, sign up for online account access so you can manage your account. Then click Enroll now next to your 403(b) account to start investing.

Start saving now

Your plan sponsor has established your company's plan and has set up your individual account. You've set up online account access—now it's time to save! Simply log in and click Enroll now next to your 403(b) account.

Stay on track with target retirement funds

Many plans use target retirement funds as the "default" investment for newly enrolled plan participants. Most plans offer our lowest-cost Vanguard Institutional Target Retirement Funds and may have additional choices among our broad-based mutual funds.

Vanguard Target Retirement Funds are a practical, cost-effective choice if you're not sure how to invest, or you simply don't have the time or interest to choose a mix of mutual funds for your portfolio.

These all-in-one funds identify the mixes of stocks and bonds that offer a balance between risk and return throughout the life of the fund, and automatically rebalance the fund accordingly.

Your job?

If you invest in a Target Retirement Fund, pick the fund with the date closest to your retirement. The fund invests in Vanguard index funds, giving you access to thousands of U.S. and international stocks and bonds, including exposure to major market sectors.

Want more choices?

If your plan allows, you may also be able to select from a diversified lineup of low-cost funds—or even funds from other companies to meet your investment goals.*

Keep your costs low

You know exactly what you're paying for with Vanguard 403(b) Services. We only charge what's necessary to run our funds and we never hide our fees.

Save time with convenient services

With Vanguard 403(b) Services, you get services and options that make saving convenient and efficient.**

  • The ability to contribute through payroll deductions so you never forget to save.
  • The opportunity to elect automatic contribution rate increases.
  • Loan services (if your plan allows).
  • Roth 403(b) contributions (if your plan allows).

Manage your account online

Our secure plan participant website gives you the tools you need to transact on and monitor your investments and account information.

  • Readily access your account information, such as the balance, performance, and transactions.
  • Set your savings goals, contribution rates, and your investment allocation.
  • Generate statements on demand and select the level of detail.
  • Manage beneficiaries.
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We're here to help

Plan Participants

CALL 800-569-4903

Monday through Friday
8 a.m. to 8 p.m., Eastern time


Make retirement saving easy

If you don't know how to start saving for retirement, we can help you figure out how much you'll need and how to balance all your savings goals.

Consolidate your accounts

Consider moving accounts you hold elsewhere to Vanguard. You'll enjoy more control of your portfolio now and get a clear picture of your investment strategy.

Use our handy tools

You're putting money away for your future, but how do you know if it will be enough?


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IRA (individual retirement account)

A type of account created by the IRS that offers tax benefits when you use it to save for retirement.

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401(k) plan

A type of employer-sponsored retirement savings plan that allows employees to contribute pre-tax dollars by deferring salary. Many plans offer a variety of investment options, and employers often match a percentage of employee contributions.

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Mutual fund

A type of investment that pools shareholder money and invests it in a variety of securities. Each investor owns shares of the fund and can buy or sell these shares at any time. Mutual funds are typically more diversified, low-cost, and convenient than investing in individual securities, and they're professionally managed.

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Plan participant

Anyone who contributes to a retirement plan, or is retired and receiving benefits from it.

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The sum total of your investments managed toward a specific goal.

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Usually refers to common stock, which is an investment that represents part ownership in a corporation. Each share of stock is a proportional stake in the corporation's assets and profits.

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A loan to a corporation, government, or government agency in exchange for regular interest payments. The bond issuer agrees to pay back the loan by a specific date. Bonds can be traded on the secondary market.

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Risk-return trade-off

The tendency for potential risk to vary directly with potential return, so that the more risk involved, the greater the potential return and vice versa.

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Index fund

A type of mutual fund that seeks to track the performance of a particular market index (sometimes referred to as a "benchmark"), like the popular S&P 500 index, Nasdaq, or Dow Jones Industrial Average, by buying all or a representative sample of the securities in the index it tracks.

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Market sector

An area of the economy whose businesses share certain characteristics.

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Roth IRA

A type of IRA that allows you to make after-tax contributions (so you don't get an immediate tax deduction) and then withdraw money in retirement tax-free as long as you meet the requirements.

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A person or organization designated to receive the proceeds of an investment account (or an insurance policy, a pension, or an annuity contract) after the owner dies.