403(b) services

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.

Ready to invest in a 403(b)?

Call 877-859-5756
Monday through Friday, 8 a.m. to 8 p.m., Eastern time

Ready to invest in a 403(b)?

Call 800-569-4903
Monday through Friday, 8 a.m. to 8 p.m., Eastern time

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.

Find out how Vanguard's unique structure works

High-quality funds

Are you a hands-off investor who prefers to let just one mutual fund help you reach your savings goals? Or do you like to assemble your own portfolio of mutual funds?

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.

Learn about Vanguard Target Retirement Funds

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.

Lower your 403(b) plan fees & fund costs at Vanguard

See the difference low-cost mutual funds can make
 

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.

Find out more about Admiral Shares

Enjoy complete support for your plan

Whether you're a plan sponsor or participant, Vanguard 403(b) Services offers robust services and features that go beyond the basics to meet your needs.

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.

Explore the features of Vanguard 403(b) Services for plan sponsors

Plan participants. Use intuitive online features to contribute to your plan and monitor how you're doing.

Explore the features of Vanguard 403(b) Services for plan participants

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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What plan sponsors need to know

Vanguard 403(b) Services provides premier recordkeeping, easy plan management, and day-to-day support from an assigned client services team in partnership with Newport Group.**

What plan participants need to know

You can build for your future today with low-cost funds and dedicated support through Vanguard 403(b) Services.

Costs matter

Benjamin Franklin famously said: "A penny saved is a penny earned." Vanguard is living proof. Our low fund costs and straightforward 403(b) fees can help you keep more of your earnings in your pocket—where they belong.

Make retirement saving easy

If you don't know how to start saving for retirement, we can help you figure out how much you'll need and how to balance all your savings goals.

Get the basics about saving for retirement

Consolidate your accounts

Consider moving accounts you hold elsewhere to Vanguard. You'll enjoy more control of your portfolio now and get a clear picture of your investment strategy.

Transfer accounts to Vanguard

Use our handy tools

You're putting money away for your future, but how do you know if it will be enough?

See if you'll have enough to retire

Make retirement saving easy

If you don't know how to start saving for retirement, we can help you figure out how much you'll need and how to balance all your savings goals.

Get the basics about saving for retirement

Consolidate your accounts

Consider moving accounts you hold elsewhere to Vanguard. You'll enjoy more control of your portfolio now and get a clear picture of your investment strategy.

Transfer accounts to Vanguard

Use our handy tools

You're putting money away for your future, but how do you know if it will be enough?

See if you'll have enough to retire

We're here to help

Plan participants

Call 800-569-4903

Existing plan sponsors

Call 877-893-5426

Prospective plan sponsors

Call 877-859-5756

Monday through Friday
8 a.m. to 8 p.m., Eastern time


Already a plan participant? Log in to access your account.

We're here to help

Plan participants

Call 800-569-4903

Existing plan sponsors

Call 877-893-5426

Prospective plan sponsors

Call 877-859-5756

Monday through Friday
8 a.m. to 8 p.m., Eastern time


Already a plan participant?
Log in to access your account.

*Vanguard average expense ratio: 0.10%. Industry average expense ratio: 0.60%. All averages are asset-weighted. Industry averages exclude Vanguard. Sources: Vanguard and Morningstar, Inc., as of December 31, 2020.

**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.

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.

Diversification does not ensure a profit or protect against a loss in a declining market.

Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.

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.