Selecting an investment provider can be difficult. With Vanguard, your needs are our number one priority.
We've been helping employees reach their retirement goals through a variety of plans—IRAs, 401(k) plans, and of course, 403(b) plans.
With Vanguard 403(b) Services, you can build for your future through low-cost mutual funds and an easy-to-manage plan that offers premier services.
Your plan sponsor has established your company's plan, but we don't have any information about you, such as your name, address, and Social Security number.
Your plan sponsor has established your company's plan and has set up your individual account. If you haven't already done so, sign up for online account access so you can manage your account. Then click Enroll now next to your 403(b) account to start investing.
Your plan sponsor has established your company's plan and has set up your individual account. You've set up online account access—now it's time to save! Simply log in and click Enroll now next to your 403(b) account.
Many plans use target retirement funds as the "default" investment for newly enrolled plan participants. Vanguard Target Retirement Funds are a practical, cost-effective choice if you're not sure how to invest, or you simply don't have the time or interest to choose a mix of mutual funds for your portfolio. If you invest in a Target Retirement Fund, pick the fund with the date closest to your retirement. The fund invests in Vanguard index funds, giving you access to thousands of U.S. and international stocks and bonds, including exposure to majormarket sectors.
If your plan allows, you may also be able to select from a diversified lineup of low-cost funds—or even funds from other companies to meet your investment goals.1
You know exactly what you're paying for with Vanguard 403(b) Services. We only charge what's necessary to run our funds and we never hide our fees.
With Vanguard 403(b) Services, you get services and options that make saving convenient and efficient.2
Our secure plan participant website gives you the tools you need to transact on and monitor your investments and account information.
If you have 403(b) plan accounts with other providers, you may be able to move your assets and consolidate your retirement savings at Vanguard.
You have a few choices for transferring 403(b) assets. We're here to help you understand your options, determine what's best for you, and guide you through the transfer.
Vanguard average mutual fund expense ratio: 0.08%. Industry average mutual fund expense ratio: 0.50%. All averages are asset-weighted. Industry average excludes Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2025.
Retirement plan recordkeeping and administrative services are provided by The Vanguard Group, Inc. (VGI). VGI has entered into an agreement with Newport Group, Inc., to provide certain plan recordkeeping and administrative services on its behalf. Custodial services are provided by Newport Trust Company, a wholly owned subsidiary of Newport Group, Inc. Newport Group, Inc., and Newport Trust Company are not affiliated with The Vanguard Group, Inc., or any of its affiliates.
For more information about Vanguard funds or ETFs, visit
Investments in Target Retirement Funds are subject to the risks of their underlying funds. The year in the fund name refers to the approximate year (the "target date") when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a Target Retirement Fund is not guaranteed at any time, including on or after the target date.
Fund suggestions are based on an estimated retirement age of approximately 65. Should you choose to retire significantly earlier or later, you may want to consider a fund with an asset allocation more appropriate to your particular situation.
All investing is subject to risk, including the possible loss of the money you invest.