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.
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
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.**
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.
The catalyst for low-cost investing
Keeping costs low is the foundation of our existence, starting with our first mutual fund in 1975—Vanguard 500 Index Fund. Now the momentum is a driving force in the industry. That's The Vanguard Effect®.
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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.
The sum total of your investments managed toward a specific goal.
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.
An employer that establishes a retirement plan to benefit its employees.
Anyone who contributes to a retirement plan, or is retired and receiving benefits from it.
An individual or organization hired by a plan sponsor to run the retirement plan selected by the sponsor.
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.