Accounts & Plans

Investing should be easy

Trade mutual funds, ETFs, stocks, and more—all for a low cost in our brokerage accounts

How are accounts and investment products different?

Think of your account as an empty garage. You can fill it with trucks, cars, bicycles, or other vehicles you like. In the same way, you can fill your account with investment products such as mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more. The first step is understanding what kind of account you need. Check out your options below.

An IRA makes saving for the future less taxing

Both traditional and Roth IRAs give you an easy way to save for retirement, offering different tax breaks.

Want flexibility? Consider an individual or joint brokerage account.

Individual and joint accounts are general investing accounts. They aren't subject to early withdrawal penalties that apply to retirement accounts—so you can take your money out when needed. Use these accounts to save for your dream home, wedding, and more.

Opening a 529 plan can pave the way for a well-funded education

Invest in a brighter future—for you, your children, your grandchildren, or someone else.

Want to gift money to a minor but not limit it to education?

A Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but managed by you until they become an adult. After that, they can use the money for any purpose.

If you’re a business owner, you know what it means to be self-reliant

That’s why it’s important to take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE IRA (Savings Incentive Match Plan for Employees).

Looking for a way to leave assets to your loved ones?

A trust account is a legal arrangement in which the grantor allows a third party, the trustee, to manage assets on behalf of the trust's beneficiaries.


Looking to set up an investment account for an organization?

An organization account offers trading and investment features that can help your business work toward its financial goals.

An IRA makes saving for the future less taxing

Both traditional and Roth IRAs give you an easy way to save for retirement, offering different tax breaks.

Want flexibility? Consider an individual or joint brokerage account.

Individual and joint accounts are general investing accounts. They aren't subject to early withdrawal penalties that apply to retirement accounts—so you can take your money out when needed. Use these accounts to save for your dream home, wedding, and more.

Opening a 529 plan can pave the way for a well-funded education

Invest in a brighter future—for you, your children, your grandchildren, or someone else.

Want to gift money to a minor but not limit it to education?

A Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but managed by you until they become an adult. After that, they can use the money for any purpose.

If you’re a business owner, you know what it means to be self-reliant

That’s why it’s important to take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE IRA (Savings Incentive Match Plan for Employees).

Looking for a way to leave assets to your loved ones?

A trust account is a legal arrangement in which the grantor allows a third party, the trustee, to manage assets on behalf of the trust's beneficiaries.


Looking to set up an investment account for an organization?

An organization account offers trading and investment features that can help your business work toward its financial goals.

Already know what you want?

Learn more about accounts that fit your goal

What's the difference between accounts and investments?

Play our video to better understand how accounts and investments differ.

You'll never pay hidden fees at Vanguard

Low fees mean you can get more back from your investments. That's why we think it's important to be transparent and share which ones you can avoid here at Vanguard.

It's very meaningful to me that Vanguard is owned by its investors, which is me!
Chuck and Pat P., Vanguard clients

Your business model is a great one. It's given us a lot of confidence and financial success, and we love talking about it with friends and family.”

The experiences of these Vanguard clients may not be representative of the experience of other Vanguard clients and are not a guarantee of future investment performance or success.

Helpful resources

How to invest on your own

Get key information on how you can start a successful DIY investing journey.

Investment products

Choose from a wide range of investments for your brokerage accounts, such as mutual funds, ETFs, stocks, and more.

Get the advice you need

Use our robo-advisor or work with a financial advisor for ongoing portfolio guidance and access to exclusive tools.

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Frequently asked questions

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.

You must buy and sell Vanguard ETF Shares through Vanguard Brokerage Services (we offer them commission-free) or through another broker (which may charge commissions). See the Vanguard Brokerage Services commission and fee schedules for full details. Vanguard ETF Shares are not redeemable directly with the issuing fund other than in very large aggregations worth millions of dollars. ETFs are subject to market volatility. When buying or selling an ETF, you will pay or receive the current market price, which may be more or less than net asset value.

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

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.