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Trust the company that's built to put you first

We've been helping people reach their retirement goals for 40 years and counting. It's been a smart, efficient choice for them. It can be the same for you.

What makes Vanguard different?

As an experienced provider, our disciplined investing approach, client-first focus, and premier services can lower your investing costs.

A singular focus

At Vanguard, the focus truly is on you, whether you're an employer looking to offer a 403(b) plan to help employees save for retirement or an employee trying to decide among multiple providers.

We can say that because we don't have outside owners. Vanguard (the company) is owned by the Vanguard funds, which are owned by our investors. So our structure naturally puts you first.

High-quality funds

Are you a hands-off investor who prefers to let just one mutual fund help you reach your savings goals? Or do you like to assemble your own portfolio of mutual funds?

At Vanguard, you can select from:

  • Vanguard Institutional Target Retirement Funds, our lowest-cost target retirement funds, which offer a complete portfolio in a single fund. There is no minimum investment.
  • A diversified lineup of low-cost funds selected by your plan.

An enviable cost advantage

The Vanguard average expense ratio for mutual funds is 84% less than the industry average.* And our 403(b) fees are clear and straightforward, so you always know exactly what you're paying.

Another way we keep costs low

Vanguard 403(b) Services has the added benefit of offering access to additional cost savings through the Admiral™ share class of our mutual funds with no minimum investment required.

Enjoy complete support for your plan

Whether you're a plan sponsor or participant, Vanguard 403(b) Services offers robust services and features that go beyond the basics to meet your needs.

Premier recordkeeping

Get assistance from an assigned client services team, use online plan management and reporting tools, and partner with third-party administrators (TPAs) if you want.**

Customized features

Separate, secure websites for plan sponsors and participants customize each online experience.

Plan sponsors. Construct a well-designed plan that's easy for you to manage and provides resources to help your participants maximize their savings.

Plan participants. Use intuitive online features to contribute to your plan and monitor how you're doing.

We're here to help

Prospective Plan Sponsors

CALL 877-859-5756

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

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Expense ratio

The annual operating expenses of a mutual fund or ETF (exchange-traded fund), expressed as a percentage of the fund's average net assets. It's calculated annually and removed from the fund's earnings before they're distributed to investors, directly reducing investors' returns. For example, if you had $10,000 invested in a fund with an expense ratio of 0.20%, you'd pay about $20 a year out of your investment returns.

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Plan sponsor

An employer that establishes a retirement plan to benefit its employees.

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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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Third-party administrator (TPA)

An individual or organization hired by a plan sponsor to run the retirement plan selected by the sponsor.

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Vanguard 500 Index Fund

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The strategy of investing in multiple asset classes (like stocks, bonds, and cash) and among many securities in an attempt to lower overall investment risk.