Types of investment accounts and plans

We offer more than retirement accounts. Explore the full range of solutions for your long- and short-term investment goals.

Not sure which account is right for you?

Choose the right type of investment account

Most investment accounts are designed with certain goals in mind. Check out your options and select the right investment account for your needs.

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Learn about brokerage accounts

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Learn about Cash Plus

Organization accounts

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

Organization accounts

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

Learn about organization accounts

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Learn about Roth IRAs

Small business

Take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k).

Small business

Take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k).

Learn about small business accounts

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Learn about spousal IRAs

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Learn about traditional IRAs

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose. 

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose. 

Learn about trusts

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

Learn about 403(b)

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Learn about brokerage accounts

Organization accounts

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

Organization accounts

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

Learn about organization accounts

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Learn about Roth IRAs

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Learn about spousal IRAs

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Learn about traditional IRAs

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

Learn about 403(b)

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Learn about Cash Plus

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose.

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose.

Learn about trust accounts

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Learn about brokerage accounts

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Learn about Cash Plus

Organization accounts

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

Organization accounts

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

Learn about organization accounts

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Learn about Roth IRAs

Small business

Take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k).

Small business

Take advantage of retirement plans designed for small businesses. Choose from a SEP-IRA (Simplified Employee Pension) or an Individual 401(k).

Learn about small business accounts

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Learn about spousal IRAs

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Learn about traditional IRAs

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose. 

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose. 

Learn about trusts

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

Learn about 403(b)

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Learn about brokerage accounts

Organization accounts

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

Organization accounts

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

Learn about organization accounts

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Roth IRAs

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.1

Learn about Roth IRAs

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Spousal IRAs

These accounts let a working spouse contribute to an IRA on behalf of a non-working spouse. This helps both people save for retirement, even if one doesn’t have earned income.

Learn about spousal IRAs

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Traditional IRAs

These accounts enable you to save and invest for retirement with potential tax benefits, such as tax-deductible contributions and tax-deferred growth.

Learn about traditional IRAs

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

403(b) services

Vanguard 403(b) Services is a simple way for you to offer the benefits of a world-class plan to your employees.

Learn about 403(b)

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Learn about Cash Plus

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose.

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose.

Learn about trust accounts

UGMA/UTMA

Gift money to a minor without limiting 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.

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

529 accounts

This tax-advantaged account is designed to support education savings for college, trade school, vocational school, and even K–12. You can open a 529 for anyone.

Learn about 529s

Brokerage accounts

These flexible, general investing accounts are useful for goals like a new home, wedding, or emergency fund. You can hold mutual funds, ETFs (exchange-traded funds), stocks, bonds, and more.

Learn about brokerage accounts

Cash Plus Account

An alternative to the traditional savings account, Cash Plus is a cash management account that offers a competitive yield on your short-term savings.

Learn about Cash Plus

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.

Learn about 529s

Trust accounts

These accounts are set up to hold and manage assets on behalf of someone else, ensuring the funds are used for their intended purpose.

Learn about trust accounts

UGMA/UTMA

Gift money to a minor without limiting 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.

Learn about UGMA/UTMA

529 accounts

Roth IRAs are funded with post-tax dollars, so you can withdraw your money tax-free in retirement. Unlike traditional IRAs you can withdraw your Roth contributions anytime without penalties.

Learn about 529s

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Both industry experts and everyday people rely on our high-performing2, low-cost mutual funds and ETFs. Choose from diverse investments for retirement, savings, education, and other financial goals.

Invest on your own

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Whatever you're working toward, we have a range of services to help you get there. We'll work together on a personalized plan and support you to keep you on track.

 

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Helpful resources

Emergency funds

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

Emergency funds

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

Make a budget for emergencies

Investment planning

Every financial situation is unique. We’ve got tips on how to create your own personal investment plan.

Investment planning

Every financial situation is unique. We’ve got tips on how to create your own personal investment plan.

Learn how to start

Investment products

Explore our wide range of investment products, including mutual funds, ETFs, stocks and more.

Investment products

Explore our wide range of investment products, including mutual funds, ETFs, stocks and more.

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1Withdrawals from a Roth IRA are generally tax-free if you are over age 59½ and have held the account for at least five years; withdrawals of earnings taken prior to age 59½ or five years may be subject to ordinary income tax or a 10% federal penalty tax, or both. (A separate five-year period applies for each conversion and begins on the first day of the year in which the conversion contribution is made.)

2For the ten-year period ended March 31, 2025, 6 of 6 Vanguard money market funds, 70 of 100 Vanguard bond funds, 21 of 23 Vanguard balanced funds, and 173 of 192 Vanguard stock funds—for a total of 270 of 321 Vanguard funds—outperformed their peer group averages. Results will vary for other time periods. Only funds with a minimum ten-year history were included in the comparison. (Source: LSEG Lipper.) Note that the competitive performance data shown represent past performance, which is not a guarantee of future results, and that all investments are subject to risks. For the most recent performance, visit our website at www.vanguard.com/performance.

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.