Personalized advice for our investor-owners
As an investor, you're the architect of your world. But at Vanguard, you're more than just an investor—you're an owner. And ownership means we're building that world alongside you. When you need personalized advice to track your progress and make sure you're doing all you can to succeed in your goals—we've got you covered.
Vanguard Digital Advisor®
For those who prefer the convenience of a robo-advisor, Vanguard Digital Advisor will build a customized portfolio and continue to optimize your investments over time. You get the benefit of Vanguard’s time-tested philosophy delivered on a modern, all-digital platform that can evolve with your needs.
Digital Advisor offers:
- 100% online money management that’s simple, yet sophisticated.
- Recommendations based on your profile and retirement and other financial goals.
- Guidance that adapts to your evolving needs—and adjusts as you add new goals.
- Easy and accessible platform so you can check in anytime.
Vanguard Personal Advisor Services®
If you’d like to connect with an advisor for guidance on your investments and overall financial picture, consider Vanguard Personal Advisor Services. You get personalized advice and an ongoing partnership to help you navigate complexity, grow your investment knowledge, make smart financial decisions, prepare for retirement, and more.
Vanguard Personal Advisor offers:
- A personalized plan and ongoing access to our advisors
- Goals-based planning, based on our decades of research and
time-tested strategies. - Support for complex financial needs: from education savings
to living in retirement and more. - Advisors you can rely on to put your interests first.
YOUR ADVOCATE FOR LIFE
Whichever service you choose, we'll help you build a personalized plan, provide support, and guide you toward your goals.
Choose what works best for you
| Cost | Vanguard Digital Advisor | Personal Advisor Services |
|---|---|---|
| Minimum to qualify |
$3,0001 | $50,000 |
| Cost (per $1,000) | ~$2.002 | $3.003 |
| Investing approach | ||
| Portfolio of core ETFs |  |
|
| Customized portfolio | |
|
| Tax-efficient investing | |
|
Desired experience |
| 24/7 real-time portfolio tracking | |
|
| Online experience | |
|
| Access to an advisor | |
|
| Support for complex financial planning | |
Cost
$3,0001
$50,000
~$2.002
$3.003
Investing approach
Desired experience
Interested in learning more?
Connect with us
Sign up to hear more about either of our advice offerings
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
Connect with us
Sign up to hear more about either of our advice offerings
We may also send you other Vanguard information you might be interested in. You can opt out at any time.
Want to plan on your own?
We have what you need to help you be a successful DIY investor.
All investing is subject to risk including the possible loss of the money you invest.
Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard.
Vanguard Personal Advisor Services and 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. Neither VAI, VGI, nor VMC guarantees profits or protection from losses.
1Enrollments in Vanguard Digital Advisor require at least $3,000 in each Vanguard Brokerage Account. For each taxable account you wish to enroll, the entire balance must be in the brokerage account's settlement fund (which is Vanguard Federal Money Market Fund). For each traditional, Roth, or rollover IRA you wish to enroll, the entire balance must be in certain allowable investment types (based on eligibility screening by Digital Advisor at the time of enrollment) and/or the brokerage account's settlement fund.
2Vanguard Digital Advisor is an all-digital service. Digital Advisor charges a 0.20% annual gross advisory fee to manage Vanguard Brokerage Accounts for a typical Digital Advisor managed portfolio. The gross advisory fee is reduced by a credit of the actual revenue The Vanguard Group, Inc. ("VGI"), or its affiliates retain from investments in each enrolled account, resulting in a net advisory fee that will be the actual fee collected from your account. A typical Vanguard ETF® portfolio will be credited approximately 0.05%, resulting in a net advisory fee of approximately 0.15%. The actual net fee amount will vary based on your unique asset allocation, account type, and specific holdings in each enrolled account. For more information, please review Form CRS and the Vanguard Digital Advisor Brochure.
3Vanguard Personal Advisor Services charges a 0.30% annual advisory fee. Note that this fee doesn't include investment expense ratios, but we generally recommend using low cost Vanguard funds to build your portfolio. For more information on the services see the Vanguard Personal Advisor Services Brochure.
The services will typically invest your assets in a portfolio of Vanguard ETFs®, all of which are commission-free through a Vanguard Brokerage Account. Vanguard Brokerage Accounts are offered through and maintained by Vanguard Marketing Corporation ("VMC"), a registered broker-dealer and member FINRA and SIPC. If you decide to manage your investments on your own, you can buy and sell Vanguard ETF Shares through Vanguard Brokerage Services® or another broker (which may charge commissions).
You could lose money by investing in Vanguard Federal Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Visit vanguard.com to obtain a Vanguard fund or ETF prospectus, or, if available, a summary prospectus, which contains investment objectives, risks, charges, expenses, and other information; read and consider carefully before investing.