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Why choose Vanguard for your savings?

It's easy and convenient to invest in our high-quality funds.

What you can expect from us

High-quality funds

100% of Vanguard money market mutual funds performed better than their peer-group averages over the past 10 years.*

Low costs

On average, Vanguard money market fund expense ratios are 54% less than the industry's average.**

Simplicity and convenience

It's easy to move money from your Vanguard account. You can access your account from your desktop or your mobile device.

If you have checks you'd like to use to build your emergency savings (think rebates or birthday money), simply take a photo of your check using our app and add it to your account.

You can also set up automatic investments into your Vanguard account on a schedule you choose.

A bird's-eye view

Already a Vanguard client? Keeping your emergency fund here means you'll be able to see it alongside your other savings. This makes it easy to get a total picture of your finances.


You can count on us to be here for you. We've been around since 1975 and are now one of the world's largest mutual fund companies.†

Ready to get started?

Start your emergency fund at Vanguard today.

Start your emergency fund

We're here to help

Talk with one of our investment professionals.

Call 800-841-3999

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



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The profit you get from investing money. Over time, this profit is based mainly on the amount of risk associated with the investment. So, for example, less-risky investments like certificates of deposit (CDs) or savings accounts generally earn a low rate of return, and higher-risk investments like stocks generally earn a higher rate of return.

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Expense ratio

Fees charged to investors to cover operating costs, expressed as a percentage. The money is deducted from investment returns before they're given to investors. For example, if you had $10,000 invested in a fund with an expense ratio of 0.20%, you'd pay about $20 a year out of your investment returns.

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The investment returns you accumulate on the savings in your account.