Accounts and plans

Maybe you want easy access to the money you've invested. Or maybe tax savings is your top priority. Whatever your goal is, we have an account that will help you reach it.

An IRA makes saving for the future less taxing.

Both traditional and Roth IRAs give you an easy way to save for the future, and they each offer different tax breaks.

Want flexibility? Consider an individual or joint account.

Individual and joint accounts aren't subject to early withdrawal penalties that apply to tax-advantaged accounts - so you can take your money out when you need.

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 workers who are self-employed. Choose from a SEP-IRA (Simplified Employee Pension) or an individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE (Savings Incentive Match Plan for Employees) IRA.

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?

An Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but off limits until they reach adulthood. After that, the money can be used for any purpose.

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 beneficiaries of the trust.


Looking to set up an investment account for a business?

An organization account offers trading and investment features that can help your business work towards 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 the future, and they each offer different tax breaks.

Want flexibility? Consider an individual or joint account.

Individual and joint accounts aren't subject to early withdrawal penalties that apply to tax-advantaged accounts - so you can take your money out when you need.

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 workers who are self-employed. Choose from a SEP-IRA (Simplified Employee Pension) or an individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE (Savings Incentive Match Plan for Employees) IRA.

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?

An Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but off limits until they reach adulthood. After that, the money can be used for any purpose.

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 beneficiaries of the trust.


Looking to set up an investment account for a business?

An organization account offers trading and investment features that can help your business work towards 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 the future, and they each offer different tax breaks.

Want flexibility? Consider an individual or joint account.

Individual and joint accounts aren't subject to early withdrawal penalties that apply to tax-advantaged accounts - so you can take your money out when you need.

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 workers who are self-employed. Choose from a SEP-IRA (Simplified Employee Pension) or an individual 401(k). If you have employees, consider a SEP-IRA or SIMPLE (Savings Incentive Match Plan for Employees) IRA.

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?

An Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) account is owned by a minor but off limits until they reach adulthood. After that, the money can be used for any purpose.

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 beneficiaries of the trust.

Looking to set up an investment account for a business?

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

Already know what you want?

I want to save for:

Retirement

The government offers tax advantages for the following account types (in addition to company-sponsored plans).

Traditional and Roth IRAs

Small-business retirement plans

Education

Saving for college can reduce the burden of student debt—whether you're saving for you, your child, your grandchild, or someone else.

529 plan

UGMA/UTMA account

A house

When saving for a house or other personal goal, you'll need an account without restrictions. That way you can access your money when you need it.

Individual and joint accounts

Emergencies

We recommend keeping 3–6 months of living expenses in an easily accessible account.

Individual and joint accounts

Still need help? Consider our advisor services

Vanguard Personal Advisor Services®

Get personalized support as you strive toward your goals, no matter where you stand on your financial journey.

Vanguard Digital Advisor®

Let our new online financial planner match an investment strategy to your retirement goals.

Learn more about smart investing

Is a Roth or traditional IRA right for you?

Factors like your age, your income, and possible tax consequences may influence whether you choose a Roth or traditional IRA.

Compare IRAs

How much do you really need for emergencies?

How do you save for everything from a home repair to a job loss? Here are savings strategies to prepare for just about anything.

See our research

How to prioritize multiple savings goals

If you're like most people, you're juggling several long- and short-term goals. But they're not all equal. Get insight on what to put first.

Start prioritizing

Learn more about smart investing

Is a Roth or traditional IRA right for you?

Factors like your age, your income, and possible tax consequences may influence whether you choose a Roth or traditional IRA.

Compare IRAs

How much do you really need for emergencies?

How do you save for everything from a home repair to a job loss? Here are savings strategies to prepare for just about anything.

See our research

How to prioritize multiple savings goals

If you're like most people, you're juggling several long- and short-term goals. But they're not all equal. Get insight on what to put first.

Start prioritizing

Ready to open an account?

Discover what’s right for your investing journey

Skip the hassle and confusion. Confidently start investing by using our tool to quickly find the account and investments that best fit your goals.

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Vanguard Personal Advisor Services is provided by Vanguard Advisers, Inc., a registered investment advisor, or by Vanguard National Trust Company, a federally chartered, limited purpose trust company.

Vanguard Digital Advisor's services are provided by Vanguard Advisers, Inc. ("VAI"), a federally registered investment advisor. VAI is a subsidiary of VGI and an affiliate of VMC. All investing is subject to risk, including the possible loss of the money you invest. Neither VAI nor Digital Advisor guarantees profits or protection from losses.

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